What To Do If You Have Your Check Stolen

When you’re out and about, it’s always possible that someone will snatch your phone or wallet. But what happens if someone steals your checks, too?

It might not seem like a big deal to lose the occasional debit card or credit card; but what would happen if somebody stole all of them?

You could be left with no way to pay for anything. Worse yet, they might take money from your checking account without you knowing - which would not only cause overdraft fees but also leave you liable for any large sums due to overdrawing the account because of the stolen checks.

Contact the bank immediately to report your check stolen

The best thing you can do if your checks are stolen is to contact your bank immediately and report the theft.

This will help to protect your account from any potential damage that might be caused by someone using the stolen checks. You'll also want to contact the police and file a report for the stolen checks.

File a police report with the authorities

File a police report with the authorities. You can do this by filing an incident report or by calling the local police on the phone.

If you call, then you will need to let them know what happened so that they can file a complaint for you.

Contact your employer and ask for an extension on your paycheck date 

Contact your employer and ask for an extension on your paycheck date. This will give you more time to replace the stolen checks which will allow you to keep you account safe.

If the bank doesn’t give you an extension, then you can always go into the branch and request that your paycheck date be pushed back to a later date.

Change all of the passwords associated with this account

You should also change all of the passwords associated with your account, including all of the passwords for any online accounts like email, Facebook, or Twitter.

You can do that in your account settings. You will also want to go through all of your financial accounts and make sure that they are secure.

Every time you lose your wallet or phone, it’s best to check with your bank first regardless of whether or not you think the culprit might have used your cards

Meet with someone at the bank

Meet with someone at the bank to get new checks printed up in case you are not able to retrieve them from home before they expire.

If your bank ever needs proof of identification, then you want to be sure that you have it with you. The bank will only issue replacements if the account is in good standing.

You should also request a stop payment on any bad checks that were written during this time so that they don't bounce back and harm your account.

How to Cash a Stolen Bank Check

If someone steals your blank checks, they might try to cash them at a bank. To do this, they would need to have the account number and routing number for the account that the check is written on. They would also need to know the name on the check and the amount.

The thief might be able to get this information by looking through your mail or by stealing your wallet or purse. They could also try to get this information from you if they managed to steal your checks and you had them on you.

If someone tries to cash a stolen check, the bank might not allow it. They might also investigate where the check came from. If the bank does allow the check to cash, then you will need to file a police report and claim that they stole your check.

Conclusion

After reading this article, it is important to take some time and think about the different ways you can protect yourself from theft.

It's worth noting that even if someone steals your blank checks they might not be able to cash them at a bank without the account information.

If anyone tries to cash one of these stolen checks, let law enforcement know so that charges can be filed against whoever stole your property in the first place!