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Old 04-13-2016, 07:21 PM   #43
BandB
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City: Fort Lauderdale. Florida, USA
Join Date: Jan 2014
Posts: 21,449
Here are the general rules on recovery of a lost or stolen cashier's check.

After determining it has not cleared, the next thing you do is notify the bank so they'll remove their guarantee of funds and honoring the check.

Then you file a "Declaration of Loss" with the bank. You're claiming the funds and doing so under penalty of perjury. You declare you don't have the check and you're not going to find it.

The Declaration of Loss is a claim you're making on the funds. They then become your funds, but you won't receive them until 90 days after you file the declaration of loss.
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