How to Put a Stop Payment

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You can request a stop payment on funds by contacting your bank.
You can request a stop payment on funds by contacting your bank. (Image: Jupiterimages/Comstock/Getty Images)

Putting a stop payment on funds instructs the bank to stop the payment from going through. You can request a stop payment on a check or money order before it has been cashed if it was never received or is lost and an online transaction a few days before it is scheduled. Request a stop payment on a cashier's check before it has been cashed if it happens to get lost or stolen. You can contact your bank to handle this matter in a few easy steps.

Contact your bank or credit union by phone or visit your local branch and ask for a stop payment on a check or online transaction. Fees vary depending on the bank so make sure you ask upfront.

Tell the agent handling your issue all the details about the transaction such as the check number, amount and the payee so the bank has all the information it needs to handle the stop payment.

Put the request in writing after you talk to the bank, make a copy for yourself and mail it to the branch handling the account or go there in person. Include the fee or give authorization to have the bank debit your account electronically. Make sure to include your personal information and explain the issue clearly. Mention the number, amount and date of the check as well as the previous call or visit you made to the bank about the issue and the person you spoke to.

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