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Home >> Checks/Money Orders >> Checks You Received
Depositing Check with Stop Payment
My sister wrote me a check out of my deceased mother's estate account, but after I didn't receive it for a while, she said that it must have been lost in the mail. Eventually I did receive it, but I can't contact her to find out if she placed a stop payment on it. If I deposit it and she did place a stop payment on it, what will happen?
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 If you deposit a check on which payment has been stopped, the bank on which the check is drawn should refuse payment and send it back to your bank, where the amount of the check, and, in some cases, a charge-back fee, will be deducted from your account. If the charge-back of the check to your account creates an overdraft (i.e., you spent some or all of the funds before the check was charged back), your bank would also be entitled to any applicable overdraft fee that it had previously disclosed to you.
Published on BankingQuestions.com 4/08/08
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