Checks often go
unclaimed after they are lost or destroyed, returned by the post office
as undeliverable, or because the payee simply forgets to present them
for payment.
Failure to cash or deposit a check does not terminate your right to the
funds and the issuer’s responsibility to pay. This is generally true
even if a check specifies a ‘void-after’ date. Checks that are not
negotiated over an extended period are considered dormant, and
thereafter come under the purview of government consumer protection
statutes.
If you never received a check you can obtain a replacement. If you did
receive a check, but for one reason or another never presented it for
payment or deposited it to your bank account, you are still entitled to
payment.
Refunds and benefit checks issued by agencies of the federal
government are subject to special rules. Even forgotten checks drawn on
banks that have closed does not mean the unclaimed money is lost
forever; you may still be entitled to collect funds from government
regulators.
For information and assistance on refund or replacement of
check that was not received or never cashed complete the form below.
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