How to Replace a Cashier's Check

If you have sent a cashier's check and it's gotten lost or destroyed, you may wonder how you can replace it. Unlike a personal check, you cannot simply have the issuing bank stop payment on a cashier's check. Because a cashier's check represents an irrevocable obligation to make payment, banks impose waiting periods that must be fulfilled before they agree to replace a cashier's check.

Things You'll Need

• Valid identification

Instructions

1. Wait 90 days after issuance of the original cashier's check. Banks are not required to issue a replacement cashier's check until the original check has gone 90 days without being cashed.

2. Visit the bank branch where the check was issued. Present valid identification and ask the bank to verify that the cashier's check has not been cashed.

3. Ask the branch representative to provide you with a replacement cashier's check. Upon verifying that the original check was not cashed, the bank will issue a replacement check.

References

• Bankers Online: Stop Payments on Offficial Bank Checks