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Home >> Accounts >> Checking Accounts
Looking for a canceled check
Can a bank search for a canceled check |
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 An optimist believes that anything is possible. Within limits, a search by payee name could be successful. For example, if you are able to identify the account the check was drawn against (your account, or a money order account, perhaps), and the approximate date the check was written, at least the bank would have a fighting chance of finding it. In the case of a money order that you bought from the bank, it would also help to know which branch of the bank sold it.
The higher the activity in the account, the more difficult such a search would be. With a money order account in particular, if the dollar amount of the check is a common, round figure, the odds of finding the check in question become slimmer. For a high-volume account, a bank might not even be willing to try researching the check without knowing the check number, or may impose an hourly research fee. On the other hand, if you can provide the dollar amount, account number and check number, and if the check number was encoded at the bottom of the check (almost all checks are printed that way today), it should be relatively easy for a bank to determine whether the check has been paid, and, if it has, to print a copy of the check for you.
Published on BankingQuestions.com 1/08/07
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