Can you void a certified check

If you received the check as payment, ideally you have a copy of it. If not, you may need to contact your customer to find out which bank issued the check so you can make the call. During the day period, the bank might still pay the check to whoever presents it.

That may require legal action or negotiation without involving the bank. After the day period ends, if the check is still outstanding , the bank will release the funds to whoever has a claim on the money: either the payee or the account owner, depending on the situation. If somebody else tries to deposit the check after that, the bank will return the check without honoring it.

What if you need the money sooner? Again, the bank is on the hook to pay for the first 90 days after issuing the check. Your odds are best if the dollar amount is small and you can convince the bank that the original check will never surface.

For example, if you've decided not to go through with a purchase at the last minute. Contact your bank and ask what the requirements are to return the funds to your account.

Your bank should return the funds to your account once they get the check back. If your bank refuses to return funds to you, you may need to wait longer or fight harder to get your cash. Ask to speak to management. Then, vote with your feet and open an account somewhere else. You must make sure you know the details of how your specific bank handles these situations. You may also need to meet with a local attorney to evaluate your risk and discuss your rights.

The steps discussed here work for any situation in which the cashier's check was lost—whether it was lost in the mail or fell out of your pocket. If you haven't mailed the check yet, you can help prevent loss by paying for a tracking service that allows you to follow the check every step of the way until it reaches its destination.

When you suspect fraud, you can file a police report. Your bank may ask you to do this when you first contact them. Washington State Department of Financial Institutions.

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