How to deal with a lost check and an unhelpful bank
December 10, 2012 6:32 PM Subscribe
Help me understand what to do about a check that's lost in the mail
posted by silvergoat to work & money (10 answers total)
I put a check in the mail to my landlord over a week ago and it never arrived. Figuring it was lost, I called my bank to have them stop payment. The bank said it would cost $30 to put a 6-month stop payment on the check, which I reluctantly agreed to (they had even more costly options for 12 and 24 month stops). So, hypothetically, if someone has my check they could hold onto it for 6 months and then fraudulently cash it? What recourse do I have if this happens? Why can't the bank just cancel my check once and for all?