How do I stop payment on a lost check?
Matthew Harrington
Updated on January 15, 2026
You must give your bank notice orally or in writing to request a stop payment. Banks recommend various ways to contact them, but generally you can make a request online, at a branch or by calling the phone number on the back of your debit card.
Can you put a stop payment on a blank check?
An account holder who loses blank checks or has them stolen might consider closing the account from which the unauthorized checks might be written. Putting a stop payment on each blank check number could mean paying a fee for each one, which would get expensive.
What to do when a check is stolen?
If you suspect a check has been lost or stolen, you first need to contact your bank. If the check hasn’t already been cashed, then you can request that they put a stop payment on it. It’s a formal request that the check not be paid out by the bank if it’s deposited or presented to be cashed.
How to stop the payment of a cheque?
We all use cheques for various financial transactions and sometimes after issuing cheques we need to stop the payment, in this case, we need to write a letter to the bank regarding stop payment of the cheque. Here is a format of sample letter to bank for stop payment of the cheque. To, Date: The Branch Manager, Place:
When to put a stop payment on a lost check?
When you have a stolen or lost check, you will need to act quickly to protect yourself and your finances. You should immediately put a stop payment on a particular check. This does not guarantee that the check will not be cashed or negotiated, but it can help you stop the check from going through.
What to do if your check has been lost or stolen?
When you no longer have the check because it’s been lost or stolen, or you want to “stop payment” for any other reason: Fill out forms with your bank requesting that they return the money to your account. When you still have possession of the check and just want to cancel: Return the check to your bank.
What to do if you have a lost cashier’s check?
You don’t need to file a declaration of loss if you still have the check. Instead, you can typically return it to the bank and write “Not used for purpose intended” on the check. Contact your bank and ask what the requirements are. Your bank should return the funds to your account once they get the check back.