Stop Payment on Official Check

In forty-eight states, UCC section 3-312 allows the remitter or payee of an official bank check (cashier's check, teller's check, certified check) to declare that the check is lost, stolen, or destroyed, and to enter a claim asking the bank to replace the check or otherwise reimburse the claimant. That claim "matures" after ninety days from the issue or certification date of the check. Then, if the original check hasn't been paid earlier, the bank can pay the claim.