How to Track Cashiers Checks
Using a cashier's check provides you many benefits over using a check drawn from your personal or business checking account. Cashier's checks help you lessen your risk of identity theft by keeping routing and account numbers as well as other personal information private. They also provide the person receiving the check extra security, because unlike a personal check, the funds are guaranteed. Tracking a cashier's check might become necessary if you sent the check via mail and the receiving party claims to have never received the check.
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Instructions
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Check your bank account online. If you used money from your own checking or savings account to fund the cashier's check, the check's amount, transaction date, and tracking number might be listed as a transaction on your account. You should then be able to trace the check to it's last known point, and verify if and when the check was cashed and by whom.
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Go into the branch you purchased the check from. If your bank doesn't offer online services for cashier's check tracking, you might need to have the bank teller check your account in person to locate the check number and trace the check's whereabouts.
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Take your carbon copy to the bank you purchased the check from. If you funded the check with cash, this may be your only option to track the check. The bank teller will then look up the check number and verify if and when the check was cashed, and by whom.
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Check the bank records. In the event you lost your carbon copy of your check and funded the check with cash, the bank teller might still be able to track the check through the bank's records if you remember the time, date and amount of your transaction.
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Contact your local post office. If all else fails, you might be able to track the check through the post office if you sent it via registered mail or requested delivery confirmation. This will not give you specific information on the check itself, but will tell you whether or not the package you sent the check in was received.
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References
- Photo Credit check book image by Rob Hill from Fotolia.com
