Writing a Cheque

xi/12/2018

It tin exist frustrating to lose a check. It could mean a filibuster to a neb or rent payment – and possibly a fine if y'all've not noticed the cheque has gone missing. Or if a friend or family unit member is expecting a cheque in the mail from you – but it gets lost along the mode -- information technology could cause huge issues.

Whether you've lost the cheque yourself or are worried information technology's been stolen, there are a few things you can do to make sure you're covered.

What to practise if you lost a check before cashing it

You may have received a cheque from someone like your employer, the government or an insurance provider, just lost it earlier you've had take a chance to cash it.

The first thing to do is to make sure you've definitely lost the check. This will mean a thorough search of your home, motorcar – anywhere y'all might accept had information technology. Enquire friends, relatives and other visitors if they remember what you did with it. Be prepared to turn up the couch cushions, check nether furniture – everything you can to exist certain it'due south gone.

If you're sure the check is lost, telephone call the issuer and allow them know. Then arrange for another check to be picked up or re-issued.

Exist warned, it can take some time – even weeks – for a replacement to be issued, depending on who sent it. Government bodies will demand to review your case earlier they issue a replacement authorities cheque – which can have up to viii weeks.

If your lost check turns upwards after you've been issued a new one, practice non cash it. Contact to issuer and let them know – they might inquire y'all to render the check.

What to do if your check got lost in the mail

Checks mailed first class usually take no longer than five working days to make it. Remember, public holidays don't count as working days. If later this time a bank check yous were expecting in the mail hasn't arrived, contact the issuer to inform them. They may desire to call their banking company and put a stop on the bank check to ensure it isn't cashed by someone else.

There'south usually a charge involved to put a terminate on a check – effectually $xx-30. If the check is for less than this value, it'southward non worth cancelling. Also, bear in mind this fee is per check. The 'stop' the banking company puts on the check is also only for a express menses. If you need to put another hold the check on afterward this period, and then y'all'll have to pay the fees once more.

Checks tin usually be stopped fairly quickly provided information technology hasn't already been cleared at the bank.

If you're mailing a check, you can help brand certain information technology gets to the identify it needs to go past getting a tracking receipt from wherever you sent it from.

If yous'd rather mail post a check, Coin Services can help. Transport money to another person anywhere in the States or across the world. The service is powered past Western Union ® and allows you to wire money within minutes. Or use our walk-in bill payment services to electronically transport your cash to pay a bill.

What if my check has been stolen?

A stolen check tin still be stopped before it'southward cashed. Once more, call the issuer and allow them know the situation, then that they tin put a terminate on the cheque.

If you're worried that a cheque has been cashed by someone acting as you, contact the police to study an identity theft.

Checks processed as an electronic transfer offering you more than protection. Just if you've signed a blank check that'due south been stolen, these protections no longer apply.

Alternatives to sending a bank check

If yous're worried that a bank check might get lost, go missing in the post or become stolen, there are some alternatives ways to move coin.

Coin Services not simply offers a bank check cashing service with depression fees, we also allow you to pay bills straight, ship coin to friends and family without needing to mail a check, or purchase money orders.