Lost Cashier’s Check Bond

American Surety Bonds Agency helps individuals and businesses obtain a Lost Cashier’s Check Bond — also called an indemnity bond — for a lost, stolen, or destroyed cashier’s check, teller’s check, certified check, or bank-issued money order, when the issuing bank requires a bond before reissuing it or refunding the funds.

Ready to apply? Apply for a Lost Cashier’s Check Bond now.

Here’s a quick look at what defines a Lost Cashier’s Check Bond:

This bond may also be called:

• Indemnity Bond for Lost Cashier’s Check
• Lost Cashier’s Check Indemnity Bond
• Lost Money Order Bond
• Cashier’s Check Replacement Bond
• Lost Instrument Bond

These generally refer to the same category of bond described on this page.

A Lost Cashier’s Check Bond is a type of indemnity bond that lets you get a replacement check or refund faster for a lost, stolen, or destroyed cashier’s check, teller’s check, certified check, or bank-issued money order. It protects the bank: if the original check later surfaces and someone else cashes it, the bond reimburses the bank for that loss.

Without a bond, banks can generally wait out a set period — commonly around 90 days from the date of the check — before reissuing the funds, so they can be sure no one else cashes the original elsewhere. Posting a bond instead lets you skip that waiting period and get your funds or a replacement check sooner.

In fact, this requirement comes from the Uniform Commercial Code (UCC § 3-312), which nearly every state has adopted in some form, and the Office of the Comptroller of the Currency (OCC) — the federal bank regulator — confirms it as standard practice across banks, not a policy unique to any one bank.

You may need this Bond if:

• A cashier’s check, teller’s check, or certified check you received has been lost, stolen, or destroyed
• A money order issued by a bank or financial institution has been lost, stolen, or destroyed
• Your bank has told you it needs an indemnity bond before it will reissue the check or refund the money
• You’d rather not wait out the bank’s standard waiting period (commonly around 90 days) for a replacement

If your check was specifically issued by Bank of America or Fifth Third Bank, see our dedicated guides for a Lost Bank of America Cashier’s Check or Money Order and a Lost Fifth Third Bank Cashier’s Check or Money Order — the bond process is the same, but those pages walk through what to have ready for each bank.

If what you lost is a different kind of instrument — for example, a stock certificate — see our guide to a Lost Your Stock Certificate bond instead.

There’s no fixed, state-set amount for this bond — instead, it’s set by the financial institution that issued the lost check or money order. We individually underwrite your premium (what you actually pay) based on that amount and your credit history, and it may vary depending on the information you provide during the application.

To apply, you’ll generally need:

• The amount of the lost check or money order
• The date it was issued and the name of the issuing bank
• The payee name(s) shown on the check
• A completed declaration of loss or affidavit, if your bank has provided one
• Personal information for a credit history review

Once your application and the check details are confirmed, our underwriting team will provide your rate — once you pay for your bond, we’ll issue it same day.

Obtaining your bond through American Surety Bonds Agency is simple:

1. Complete the online application with your lost check or money order details.
2. Our underwriting team reviews your application and credit history.
3. Once approved, review your rate and pay for your bond.
4. Receive your completed bond to submit to your bank along with any other paperwork it requires.

American Surety Bonds Agency has been helping individuals and businesses meet their bonding requirements for decades. Whether you’re dealing with a lost cashier’s check for the first time or you’ve been through this before, our experienced team is here to make the process simple and efficient.

When you choose American Surety Bonds Agency, you’ll receive:

• Experienced surety bond professionals
• Competitive rates from leading surety companies
• Fast underwriting and responsive customer service
• A secure online application process
• Assistance throughout the bonding process

Above all, we’re committed to helping you meet your bonding requirement quickly and correctly, with experienced guidance every step of the way.

Complete our simple online application or speak with one of our surety specialists today.

American Surety Bonds Agency proudly serves businesses nationwide with fast approvals, competitive rates, and responsive service.

American Surety can also assist you with any of your other bonding needs, as we are licensed in all 50 states.  Call us today at (404) 486-2355 or our toll-free number (877) 201-8976 or find us on Facebook, Twitter, or LinkedIn!