Ramses Delgado, Banking Moderator
@ramses_delgado1
If you have an unused cashier’s check that you no longer intend to use, you can usually reclaim the funds without it being considered “lost” or “stolen.” While the exact process may vary by bank, you can typically cancel the check and request a refund. This is often done by visiting a branch of the issuing bank, where you’ll need to provide valid identification and may be asked to complete a form.
In some cases, banks may also allow you to start the cancellation process by phone or through online banking, though you may still need to mail or present the physical check.
Keep in mind that policies differ by institution, so it’s best to contact your issuing bank first to confirm their specific procedures. Fees or waiting periods may apply.
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