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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 an
unclaimed check complete the form below.
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