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Home >> Checks/Money Orders
Recovering Funds from Uncashed Cashier's Check
Would I be able to recover the funds from a cashier's check if it was never cashed? I have no receipt number, just an approximate date of when check was issued. My husband accidently threw it out. The bank said there was no way to look it up. At the end of year, doesn't bank have to report unclaimed cashier's checks to the state treasury? Is there any recourse?
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 There are two courses of action you might try. First, you can ask the bank to try harder to find the record. Supply the bank representative with the branch location that sold the check, an approximate date, the dollar amount and the name of the payee, and it should be able, with sufficient time, locate the check purchase in question. The bank may impose a fee for the research time.
Second, you can eventually try the unclaimed assets route, but that is going to take time and some luck. State laws vary concerning when unclaimed cashier's checks have to be reported and surrendered to the state. It could be that in your state the time period is one year; it might also be as long as three or more years. States also may have different rules regarding how much detail concerning the purchaser/remitter and payee have to be provided to the state, based on the dollar amount of the check.
Published on BankingQuestions.com 11/24/09
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