How to Cancel a Check: Fees, Risks, and Steps


Have you ever written a check and then needed to stop it for some reason? Maybe you misplaced the check, or it fell into the wrong hands. You’ll have to issue a check cancellation, also known as a “stop payment request.” A procedure initiated by an account holder instructing their financial institution to prevent payment on a check that has yet to be processed, check cancellation can protect your money – but it may come at a price.

You might need to cancel a check to prevent fraudulent check cashing, stop payments to an erroneous recipient, or simply because a check was lost in the mail and never reached its intended recipient.

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Key Takeaways

  • Canceling a check, also known as a stop payment request, involves instructing your bank to prevent payment on a check that hasn’t been processed yet, but it typically incurs a fee and must be done before the check clears.
  • To cancel a check, verify the check’s status to ensure it hasn’t cleared, contact your bank or credit union promptly, and provide necessary information such as account number, check number, amount, and payee details.
  • To avoid needing to cancel a check, confirm the recipient’s details before writing it, encourage prompt cashing, and consider using secure electronic payment methods like direct deposit, online banking services, or mobile payment apps.

Risks and Limitations of Canceling a Check

Before initiating a stop payment, it’s important to understand the risks and limitations associated with this action. The most immediate consideration is the stop payment fees. Most banks and credit unions charge a fee for this service.

Additionally, there’s a time limitation for canceling a check. If the check has already been cashed or deposited into the recipient’s account, you may not be able to stop the payment. If you think a check has been lost or stolen, you’ll want to act quickly to cancel it.

How to Cancel a Check

Fortunately, canceling a check is fairly straightforward and can usually be accomplished by phone, in person, or online. Here’s what you need to do to cancel a check:

Verify the Check’s Status – Has It Cleared Yet?

Before initiating a stop payment request, find out whether the check in question has already cleared. A check that has cleared has been cashed or deposited by the recipient and the funds have been deducted from your account.

Verify the status of your check by reviewing your transaction history through your online account or mobile banking app, or by calling your bank’s customer service. If the check has already cleared, it’s too late to stop the payment. However, if it hasn’t, you can proceed with the stop payment process. This crucial step can save you from unnecessary fees if the check has already cleared.

Contact Your Bank or Credit Union

Next, contact your financial institution. Whether you bank with a credit union, a traditional banking institution, or an online bank, you want to initiate the stop payment process as soon as you realize the need to cancel the check. Time is of the essence when it comes to preventing the payment of a potentially lost, stolen, or miswritten check.

Most financial institutions offer a variety of ways for you to contact them. This includes phone, in-person visits, online banking portals, or even mobile apps.

Information You’ll Need

Regardless of the method you choose to cancel a check, you’ll need specific information to initiate the process. Be prepared to provide the following:

Account Number

Your account number helps the bank identify which account the check is drawn from. You can typically find your account details on your bank statements, within your mobile app or online banking account, or at the bottom of your checks.

Check Number

The check number helps the financial institution identify the exact check you wish to cancel. It can be found in the top-right corner of the check and is also printed at the bottom, right next to the account number. You may also find it in your checkbook balance statement if you balance your checkbook by hand by recording each transaction.

If you don’t have the check in your hands, you’ll need to look back at your account to see the last check you wrote that cleared and determine the check number based on that information.

Amount and Payee

You’ll need to know the exact amount the check was written for, as well as whom the check was made out to, i.e., the payee. These details ensure that the bank cancels the correct check. In lieu of the check number, the bank can help you find the correct check based on this number.

Confirmation of Stop Payment Request

Once you’ve provided the necessary information and initiated the request to stop payment on a check, your bank will typically provide a written confirmation of your request. This may be given in person, sent via mail, or provided digitally, depending on your chosen method of request.

This written confirmation serves as proof that you’ve requested the stop payment. It will typically include details such as the date and time of the request, the check number, and the stop payment fee (if applicable). Make sure to keep this document in a safe place for future reference.

How to Avoid Needing to Cancel a Check

While knowing how to cancel a check is important, preventing the need to do so can save you time and money. Implementing safe practices when writing and issuing checks and using secure alternatives can greatly minimize potential problems.

Safe Practices When Writing and Issuing Checks

Confirm the Recipient’s Details

Before writing a check, double-check the recipient’s details. Confirm that you have spelled their name correctly and that you have the correct address if you’re mailing the check. This can prevent checks from going to the wrong address or being unable to be cashed because of a misspelled name.

Encourage Prompt Cashing

Once you’ve written the check, encourage the recipient to cash or deposit it as soon as possible. The longer a check is uncashed, the higher the risk of it being misplaced or stolen. Also, an uncashed check can make accounting and balance tracking more challenging, as you need to remember to account for that uncashed check in your available balance.

Use Electronic Payment Methods

Electronic payment methods are a convenient and secure alternative to physical checks. They reduce the risk of checks being misplaced and eliminate the need to write checks manually. Here are a few options:

Direct Deposit

Direct deposit is a popular method for paycheck distribution but can also be used for other types of payments. It eliminates the need for a physical check and ensures that the funds reach the intended recipient’s bank account directly.

Online Banking Services

Most banks and credit unions now offer comprehensive online banking services, which include the ability to send money directly from your bank account to another. These transactions are secure and can be done from the comfort of your home or on the go. Many financial institutions even offer the ability to set up recurring payments, making it an excellent option for paying bills.

Mobile Payment Apps

Mobile payment apps have soared in popularity in recent years. Services like Venmo, PayPal, and Zelle allow users to send and receive money quickly and securely. These apps can be linked directly to your bank account or credit card and provide a convenient way to transfer funds without needing to write a check.

How much does it cost to cancel a check?

The cost to cancel a check varies by financial institution. Some banks may waive fees for premium account holders, such as those with America Advantage Relationship Banking or Citi Priority. However, for regular checking accounts or money market accounts, the stop payment fee can range anywhere from $15 to $35.

How long do you have to cancel a check?

The time frame to cancel a check depends on the specific bank or credit union. However, most financial institutions recommend that you initiate a request to stop payment on a check as soon as you realize a check needs to be cancelled. The sooner you can report a lost or stolen check, the better your chances of preventing unwanted transactions.

Can you cancel a cashier’s check?

Stopping payment on a cashier’s check is generally more complicated than stopping a regular check. Because cashier’s checks are guaranteed by the issuing bank, they are often treated as cash. However, if a cashier’s check is lost or stolen, the bank may issue a stop payment after a waiting period, typically 90 days.


Canceling a check is an essential skill for anyone who writes checks. It requires understanding your bank account policies, knowing how to access your financial institution’s website or customer service, and being proactive about spotting any potential issues with your personal checks.

Remember to keep a close eye on your transaction history and balance in your checking account or high-yield savings accounts. This will help ensure your hard-earned money stays right where it belongs. Remember, it’s not just about knowing how to cancel a check, but also knowing how to prevent the need for cancellation in the first place.

Dawn Allcot
Meet the author

Dawn Allot is a personal finance writer and content marketing expert specializing in finance, travel, real estate, and technology. In addition to her work at Crediful, Dawn regularly writes for Bankrate, GoBankingRates, and The Balance.