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How to Handle a Lost Cashier’s Check

Lost a cashier’s check? Don’t panic. The solution may not be as straightforward as issuing a stop-payment but there are simple actions you can take to ensure the money gets where it needs to go without facing a major loss. 

cashier's checks

First, contact the issuing bank to inform them of the situation.

You will be asked to make a Declaration of Loss, a statement made in record under penalty of perjury, stating that you, the declarer, lost possession of the check, to the “obligated bank” (the bank that issued the cashier’s check). [1]

You then typically wait up to 90 days after which the bank will release the funds to whoever has a claim on them (the payee or the account owner). [2]

Often, the bank requires an Indemnity Agreement in order to issue the replacement check. This agreement guarantees that you are liable for any losses in the event that someone finds and cashes the check. [3] This agreement is often vital to receiving the replacement check as banks don’t want to risk having two checks in circulation. 

Since you are now responsible for any losses that the bank would have faced, if someone finds the check, you are left to pay the full amount of the cashier’s check again.

This bond covers the amount of the lost check. You pay 2% of the bond amount (with a minimum of $100) and the bond company covers the bank’s losses in the event that the original check is cashed.

To obtain a surety, the cashier’s check must be lost for at least 30 days and should not have been endorsed. Learn more about lost cashier’s check bonds here. If you have any questions, our staff at Surety1 will be happy to help.

[1. Cornell University Law School, Legal Information Institute. Lost, Destroyed or Stolen Cashier’s Check, Teller’s Check, or Certified Check. Retrieved from https://www.law.cornell.edu/ucc/3/3-312]
[2. U.S. Department of the Treasury. Retrieved from http://www.helpwithmybank.gov/get-answers/bank-accounts/checks-cashiers-checks/faq-bank-accounts-cashiers-checks-01.html]
[3. About. Cashier’s Checks. Retrieved from http://banking.about.com/od/Cashiers-Checks/fl/Lost-or-Stolen-Cashierrsquos-Check-No-Longer-Need-It.html]

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24 thoughts on “How to Handle a Lost Cashier’s Check”

  1. Hello. I have a stolen cashiers check and I am not sure if it has been cashed or not. I want to recover my loss. I want to purchase a surety bond. If the cashiers check has been illegally endorsed, I’m afraid I will have lost my funds. Please help!

    1. John says:

      If the check has been cashed then there is nothing we can do. If it has not been cased, the bank can put a stop payment on the check and then you may purchase surety bond and the bank will issue a replacement check.

  2. David R. Holley says:

    Why do you have to wait for 30 Days before a Bond can be issued. Check was lost the same day it was issued. If the bank can stop payment, then you have to wait 30 Days before getting a bond , then the bank may make you wait an additional 30-90 Days before issuing replacement. That is up to four months before you get your money. Whereas, if it is a personal check, you can stop payment almost immediately before it’s cashed and suffer no major delays. What kind of protection is that?

    1. John says:

      We now have some markets that will issue the bond without the 30 day waiting period.

  3. In the case that someone steals or “find” a lost cashier’s check and steals the money associated with it, I’d be interested in knowing what legal action can be taken against the person who deposited or cashed the check.

    Is there a process for recovery that can be taken after a cashier’s check has been fraudulently used?

    1. John says:

      I would think that is fraud, but all we do are write bonds so can’t say for sure. Thanks for the comment

  4. Dot says:

    I lost a official bank and the banks
    Don’t Have surety insurance The check was made payable from me to me .. The bank do t have surety insurance . I need my money the check was made payable to me from my .
    I feel the bank is lying and holding my money .

    1. John says:

      Not sure what we can do here, but if they want a lost cashiers check bond from you we can probably help.

  5. Hello,
    I have a situation where I purchased a cashiers check from a Casino. I deposited the check into my Fiancé account’s banking using an ATM machine. Being that I am not on my Fiancée’s account, the bank would not accept the cashiers check. When my Fiancée check to see if the cashiers went through, there was no deposit pending for the amount. The ATM did issue a deposit receipt but I some how misplaced it. When visiting the bank branch, the banking clerk stated there was no indication of any transaction. This took place November 21. Have been checking weekly to see if the cashiers check had been returned to the casino. Nothing returned as of this memo.

    1. John says:

      I think you would actually have to ask the Casino to re-issue the check, but I would check with the issuing bank if know what bank it is.

  6. Darren says:


    I had a cashiers check written up for m landlord who then lost it. I wanted to cancel it and had a surety bond drawn up at the request of my back who also put me in touch with the insurers. I then sent the bond to the bank to cancel the check only to find that the check has already been cashed.

    Where does that leave me?

    1. John says:

      IF check has been cashed I am afraid you are out of luck.

  7. Reina says:

    hello, I accidently lost my actual cashier check on my way to the bank to deposit it to my account but I have a picture of it what can I do?

    1. John says:

      You need to check with the issuing bank. If they say you need a bond we can help you.

  8. Tammy says:

    A personal check does not pay until it arrives and processes from the payers account. Cashier’s check and bank checks are pre-paid. Since the check is guaranteed to clear in most cases, there are other assurances that need to be met, as they aren’t just returned unpaid if the funds are not available.

    1. John says:

      Good question I do not know the answer to.

  9. Eva says:

    My cashiers check that I inherited from a estate was accidentally thrown away is there any way I can get it replaced? Please help!

    1. John says:

      Check with the issuing bank. If they say you can get bond to replace it, then we would love to help!

  10. Ammar says:

    Can I buy a surety bond for a lost cashier’s cheque from a bank in the UAE?

    1. John says:

      Only if it has a USA office and is FDIC insured.

  11. Talmesha Baylis says:

    My god father passed away and left me some checks for 150,000. They were stolen from my apartment and the management says nobody was in my apartment but they were. They were through bank of america

    1. John says:

      Got to the bank and see if a bond will help you.

  12. Sophie says:

    I thought that a stop payment couldn’t be made on a cashier’s check. It was kind of implied in the body of the article.

    1. John says:

      A stop payment can only be put in place of the check was lost or stolen. the bond is there to protect the bank if the cashiers check was not lost or stolen.

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