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Create a free Team What is Teams? Learn more. Refund on Cashiers Check? Ask Question. Asked 3 years, 4 months ago. Active 3 years, 4 months ago. Viewed 4k times. Improve this question. Rich Rich 1, 1 1 gold badge 11 11 silver badges 22 22 bronze badges. Some banks waive the fee for certain account holders, so ask your bank.
Online banks such as Ally Bank and Discover , for example, offer free official bank checks. They are issued by a bank and are paid out of bank funds, not customer accounts. They can only be cashed by the intended recipient. Often, the funds are available the next day. Personal checks can take several days or longer to clear. The bond assures the bank that it will not be on the hook for two checks. Once you put the process into motion, it can take 30 to 90 days to get your replacement check.
A certified check is another alternative. A certified check is a personal check that has been certified by the bank. The bank certifies that the funds for the amount the check is written for are, indeed, available and are earmarked for the designated payee. How We Make Money. Libby Wells. Written by. Libby Wells is a contributor covering banking and deposit products. Edited By Brian Beers. Take the cashier's check to your bank and go to a teller's window. Place the check face down on the counter, and write "For Deposit Only" on the back of the check in the endorsement area, followed by your signature to endorse it for deposit.
Give the check and a completed deposit slip to the teller and wait for a receipt that confirms the deposit. Keep the receipt and check your bank account to confirm the deposit the following day. Cashier's checks are not held by the bank for verification, unless bank personnel suspect a scam is involved. Can you advise me on any of this? It is as good as cash. But not for three decades.
The length of time before a bank must turn the funds over to the state as unclaimed property is determined by each state, Meyer said.
Most states set the timeframe as three to five years. Shannon Mortland, spokeswoman for PNC, which had no connection to any of this, concurred.
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