How to Check Whether My Cashier's Check Has Been Cashed

After giving someone a cashier's check, you can verify whether it has been cashed by contacting the issuing bank either in person or over the phone. If you find it has not been cashed, and you fear the check has been lost or stolen, you may be able to place a stop payment on the check and have a new one issued.


How to Check Whether My Cashier's Check Has Been Cashed
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Funding Source and Availability

A cashier's check, also known as a bank check or treasurer's check, is a check drawn on bank funds. As a result, the check is guaranteed to cash when presented for payment. At the time of purchase, you provide the bank with cash to cover the amount of the check or use the money in your account at the bank. Typically, a cashier's check is signed by a bank representative.


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Verifying if Your Check Has Cashed

Call or visit the financial institution the cashier's check is drawn on and speak to a customer service representative. Depending on the policy of the bank, the representative may ask you to first confirm your identity before providing you with information about the check. Be prepared to also provide such information as the check date, number and amount.

If the Check Is Not Yet Cashed

If the cashier's check has not yet been cashed, contact the person you presented the payment to if you are concerned about the delay. It's possible the check is still in his or her possession and has not yet been deposited. If the check is lost or stolen, contact the financial institution the check was drawn on to place a stop payment on the item. Be prepared to provide details about the check, such as the issue date, check number and amount. You will likely also have to pay a stop payment fee. Depending on the policy of the bank, you might have to wait up to 90 days to receive your refund.


Obtaining a Copy of the Check

Once the bank confirms the check has been cashed, you can ask for a copy of the processed check for your records, usually for a fee. Proof of payment is helpful in a variety of circumstances, including refund requests, transaction disputes and warranty claims.

Counterfeit Cashier's Checks

Be on the lookout for counterfeit cashier's checks, which are often indistinguishable from authentic cashier's checks. In some instances, you may be able to spot a counterfeit check because it is missing certain key elements that are commonly found on the issuing bank's genuine checks, such as a watermark or perforations along the edge. This is another reason why it is a good idea to verify a cashier's check with the issuing bank before cashing or depositing one. If a cashed check is later determined to be invalid, the bank that cashed the check will typically seek reimbursement from the person who cashed it.