Short Answer: Yes, you can cancel a cashier’s check. Whether the check has been stolen, lost, or is no longer needed, understanding how to cancel a cashier’s check is important so you can void the check and get the money returned to your bank account. The steps for canceling a cashier’s check vary by bank but are at least somewhat similar. Before doing this, however, know that the refund process can take from 90 up to 180 days and you may be subject to a cancelation fee. For more details on canceling a cashier’s check, see below.
What Is a Cashier’s Check?
A cashier’s check is a check guaranteed and approved by a bank or credit union (henceforth referred to as “bank” for simplicity’s sake). It is signed by a cashier or teller who works at the bank and there is usually a fee to purchase one — typically around $10. The funds for the check are drawn from your checking account before the check is created, thus making it as usable as cash. A cashier’s check will never bounce. Cashier’s checks are commonly used in place of cash, personal checks, debit cards, credit cards, money orders, or any other type of payment that is seen to be less “credible.”
For the list of places where you can get a cashier’s check, see our article.
Verify You Had a Cashier’s Check
Before you cancel your check, it’s important to be certain that what you had was really a cashier’s check. If you’re not sure, ask yourself the following questions:
- Did you talk to a bank teller face-to-face?
- Was proper identification and name of payee provided (by you)?
- Were you asked to provide any proper documentation?
- Did you pay a fee to purchase the check?
- Did the teller you spoke with print and sign, stamp, or verify the check?
- Was a receipt provided to you?
If you answered yes to these questions, you purchased a cashier’s check. See below for next steps.
How to Cancel a Cashier’s Check
If You Still Have the Check
If you still have the check, just return it to your bank. In most cases, your bank will tell you how you can endorse the check, then it’ll provide you with a refund. This is done either by depositing the funds back into your account, offering you a cash refund, or giving you a replacement check. Note that cancelation fees may apply. And while this sounds simple enough, this isn’t a quick process. Before you’ll get your money back into your account, check cancelation can take between 90-180 days.
If the Check Is Missing
If you don’t have the check anymore, you’ll be required to fill out forms at your bank requesting a reimbursement of the funds. Again, cancelation fees may apply. Another option for lost or stolen cashier’s checks is to wait 90 days from the date the cashier’s check was issued and then file a declaration of loss with the bank. Once the declaration is processed, the bank can issue you a refund check.
If you want the bank to issue you a replacement cashier’s check, you’ll need to first purchase an indemnity bond from an insurance company. This is a specialized type of insurance that would make you liable for the second check, rather than the bank. Indemnity bonds can be hard to obtain, and many banks will then make you wait anywhere from 30 to 90 days before they’ll issue you a replacement check.
Canceling a Cashier’s Check at Common Banks
We researched the cashier’s check cancelation policy as several popular banks so you’re not left wondering. For details, see below.
Bank of America
- Can a cashier’s check from Bank of America be canceled? Bank of America doesn’t publicize specific information about canceling a cashier’s check. Policies may vary based on the individual branch, the amount of the check, when it was issued, and other specific details of the request.
- How does the process work? Bank of America recommends that you contact your local branch to speak with someone in the Financial Center and make sure that the stop payment will be allowed for your particular situation.
- When/how can you contact a representative? Representatives are available Monday through Friday from 8 a.m. to 9 p.m. ET or on Saturday and Sunday from 8 a.m. to 5 p.m. ET. You can reach Bank of America customer service at (800) 432-1000. In addition to calling, you can contact a representative through Facebook chat.
- Find your nearest Bank of America
- Can a cashier’s check from Capital One be canceled? Yes; a cashier’s check can be canceled if it has been lost, stolen, or destroyed so long as the check has not been cashed yet.
- How does the process work? Visit the branch where you purchased the check to speak with a representative. You’ll be asked to fill out an affidavit. If you ordered the cashier’s check online, Capital One will send you an affidavit form to fill out via mail. Cancelation fees may apply.
- When/how can you contact a representative? Representatives are active on Twitter Monday through Saturday from 8 a.m. – 10 p.m. ET and Sundays from 10 a.m. – 7 p.m. ET. You can also reach general customer service at (877) 383-4802.
- Find your nearest Capital One
- Can a cashier’s check from Chase be canceled? Yes. If the cashier’s check was damaged, destroyed, lost, or stolen, a stop payment can be placed by phone or within a branch.
- How does the process work? Customers will need to call Chase customer service or visit a local branch to place a stop payment on a cashier’s check. Cancellation fees may apply.
- When/how can you contact a representative? Representatives are available 24 hours a day, seven days a week at (800) 935-9935.
- Find your nearest Chase
- Can a cashier’s check from Citibank be canceled? Yes
- How does the process work? A stop payment can only be placed in person at a branch. According to corporate customer service, there is no fee for a stop payment on a cashier’s check, but it must have been at least 90 days from the date of purchase. Policies may vary for cashier’s checks over $10,000.
- When/how can you contact a representative? Many branches are open 10 a.m. to 5 p.m. Monday through Friday and 10 a.m. to 1 p.m. on Saturday (closed Sunday). To speak with a corporate representative, call Citibank at (800) 374-9700.
- Find your nearest Citibank
- Can a cashier’s check from SunTrust Bank be canceled? Yes
- How does the process work? Stop in to your local SunTrust branch to speak with a representative. You’ll need to fill out an Indemnity Agreement & Declaration of Loss form in order to complete the cancellation. There is typically no fee for canceling an official check. If you would prefer to fill out this form by mail, contact SunTrust’s corporate customer service line to request one.
- When/how can you contact a representative? You can contact SunTrust any time at (800) 786-8787 (800-SUNTRUST).
- Find your nearest SunTrust
- Can a cashier’s check from TD Bank be canceled? TD Bank doesn’t publicize specific information about canceling cashier’s checks. Policies may vary based on the branch, amount of the check, when it was issued, and other individual details of the request. Contact your local TD Bank branch for details on its specific policy.
- How does the process work? Customers will need to visit their local branch to place a stop payment on a cashier’s check. While a fee applies for stop payments on standard checks, there is typically no fee to cancel a cashier’s check.
- When/how can you contact a representative? You can contact TD Bank 24/7 at (888) 751-9000.
- Find the nearest TD Bank
- Can a cashier’s check from Wells Fargo be canceled? Yes
- How does the process work? According to the Wells Fargo website, customers can place a stop payment on a check or pre-authorized payment online, by phone, or by visiting a bank in person and speaking with a representative. Wells Fargo customer service recommends contacting your local branch and asking about the policy regarding your specific situation with the check.
- When/how can you contact a representative? You can contact Wells Fargo 24/7 at (800) 869-3557.
- Find your nearest Wells Fargo
You can cancel a cashier’s check, but the process is different for each bank and it can take up to 180 days before the check is actually null and void. Knowing how to cancel a cashier’s check is important. If possible, before you get a cashier’s check, do your research on exactly how to cancel it with your specific bank in case it becomes necessary.
Did you receive a cashier’s check instead? Our article can help you find out where to cash a cashier’s check.