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Determining if Cashier's Check Has Been Cashed

A couple of months ago, I sent a cashier's check in the amount of $4,600 to a commercial supplier located out on the West Coast (with whom I'd successfully done business for several years) to pay for some soldering supplies. He told me that he received the check, but, a couple of weeks after that, nobody was answering the phone at his store, and I found out he went to the hospital after a car accident and died. I didn't receive my order from him, so I don't know if he cashed my cashier's check or not. How can I find a record of whether the check was cashed, and if it was cashed who cashed it, or whether it wasn't cashed? Would my bank be able to get me a copy of the cashed check? I want to get my money back, but if the check was already cashed how will I know?

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Start by retrieving the check copy that you should have received with the check and contacting the issuing bank. The bank will need the check serial number to help you.

If you don't have the check serial number, try to reconstruct from your records when the check was purchased. Then ask the bank to figure out which check you purchased based on the payment for the check from your account.

If the bank has to do a little research, it may take a couple of days, but you should know fairly quickly whether the check was cashed. The bank should also be willing to provide you a copy of the paid check so that you can pursue your refund (or the merchandise you ordered).

Published on BankingQuestions.com 11/29/06