How to Stop Payment on a Check

A stop payment is a request you make to your bank to prevent a check from being paid before it clears. It can stop incorrect amounts, unauthorized withdrawals, or lost/stolen checks — but it must be done promptly and typically incurs a fee.

Key points

• A stop payment halts a check or payment that hasn’t yet been processed.
• Banks usually charge a fee (commonly around $30, but amounts vary).
• You must provide precise details: check number, amount, payee, and date.
• If the check already cleared, the stop payment cannot reverse the transaction.
• Stop payment orders typically expire (many banks search for the check for up to six months); some banks allow renewal.

How to request a stop payment

1. Contact your bank by phone or visit a branch. Ask to speak with a representative rather than using automated menus.
2. Request a Stop Payment Order and supply all required details:
3. Account number
4. Check number
5. Exact check amount
6. Payee name
7. Check date
8. Ask about the fee and whether the order is temporary or expires.
9. Follow up with written confirmation (email or signed form) if the bank recommends it.
10. Monitor your account to confirm the check did not clear and the stop payment remains in effect.

What happens after you request it

• The bank will attempt to flag the check and prevent it from being paid.
• If the bank cannot locate the check immediately, it may continue searching for a limited period (commonly up to six months).
• If the check isn’t found before the stop payment expires, it could still be paid later unless you renew the order.

Additional considerations

• Timing is critical: submit the request before the check is processed.
• Keep documentation of your stop payment request and any follow-up communications.
• Electronic and automated payment systems differ from paper checks; confirm with your bank whether the stop payment covers the specific payment method.
• Use secure banking practices — such as strong online account security and safeguarding physical checks — to reduce the need for stop payments.
• Check security features (e.g., padlock icons and other anti-fraud elements) and online banking tools can help protect against fraud, but no method is foolproof.

Bottom line

A stop payment can prevent an unwanted or erroneous check from clearing if you act quickly and provide exact check details. Expect a fee and a limited effective period; follow up in writing and monitor your account. Use secure banking practices to lower the risk of unauthorized payments.