If you’ve lost a cashier’s check, contact your bank immediately. The bank will ask you to sign an indemnity bond and wait approximately 90 days before issuing a replacement — this waiting period ensures the original check hasn’t been cashed elsewhere. You’ll typically pay a $15–$35 replacement fee plus the cost of the indemnity bond (1%–2% of the check value).
Key fact: Unlike personal checks, cashier’s checks cannot simply be “stopped” — because the bank has already guaranteed the funds, your bank’s risk is higher. The 90-day wait and indemnity bond protect the bank from paying twice.
Step-by-Step: How to Replace a Lost Cashier’s Check
Step 1: Report It Immediately
Call or visit your bank as soon as you realize the check is lost:
- Tell them the check number, amount, and payee (from your receipt)
- Request that the bank flag the check number to monitor for presentment
- Ask if they can place a stop payment — some banks will do this, though it’s not always guaranteed for cashier’s checks
Keep your receipt: You’ll need the original check number and amount to file the replacement request. If you don’t have the receipt, ask your bank to pull the issuance record from your account history.
Step 2: Complete a Declaration of Loss
The bank will ask you to sign a Declaration of Loss — a signed statement attesting that:
- The check was lost, stolen, or destroyed
- You did not endorse it to a third party
- You agree to indemnify the bank if the original is presented later
This document starts the 90-day clock.
Step 3: Obtain an Indemnity Bond (If Required)
Most banks require an indemnity bond before issuing a replacement:
What it is: A surety bond purchased from an insurance company, guaranteeing the bank against loss if the original check is cashed after replacement.
Cost: 1%–2% of the check face value
- $500 check → approximately $5–$10 bond
- $5,000 check → approximately $50–$100 bond
- $50,000 check → approximately $500–$1,000 bond
Where to get one: Your bank may have a referral, or contact a local insurance agent who writes surety bonds. Some banks accept a bank-provided affidavit in lieu of a third-party bond for smaller amounts.
Step 4: Wait the 90-Day Period
The waiting period is standard banking practice under the Uniform Commercial Code (UCC). During this time:
- The bank monitors for the original check
- If the original is presented and paid, the bank cancels your replacement request
- If the original is not presented, the bank issues a replacement after 90 days
Urgent replacement: Some banks will skip or shorten the waiting period if:
- You have a high-value relationship with the bank
- The check was for a time-sensitive purpose (escrow closing, etc.)
- You purchase the indemnity bond upfront
Step 5: Receive Your Replacement Check
After the waiting period:
- The bank issues a new cashier’s check for the same amount and payee
- You pay the replacement fee ($15–$35 at most banks)
- The original check is canceled (if it appears for cashing after this point, it will be rejected)
What If the Check Was Stolen (Not Just Lost)?
If you believe the check was stolen:
- File a police report immediately — this creates a paper trail and may be required by your bank
- Provide the police report number to your bank
- The bank may expedite the replacement process for stolen checks vs. simply lost ones
Replacement Timeline Summary
| Step | Timeline |
|---|---|
| Report loss and sign Declaration | Day 1 |
| Obtain indemnity bond | Day 1–3 |
| Bank confirms no presentment | Ongoing |
| Waiting period | 90 days (standard) |
| Replacement issued | Day 90+ |
| Total process | ~90–100 days |
Fees to Expect
| Fee | Typical Cost |
|---|---|
| Replacement cashier’s check fee | $15–$35 |
| Indemnity bond (1%–2% of check value) | Varies |
| Stop payment placement | $0–$25 (if bank offers it) |
Lost Money Order vs. Lost Cashier’s Check
Lost a money order instead? The process is different and typically cheaper. See what to do if you lose a money order — money orders can usually be replaced in 30 days for a flat $15–$18 fee.
Related Guides
- What Is a Cashier’s Check and How Do You Get One?
- Money Order vs. Cashier’s Check — When to Use Each
- What to Do If You Lose a Money Order
- How to Cancel a Check — Stop Payment Process
- Certified Check — What It Is and How to Get One
- Checks & Money Orders Hub
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