Stop Payment: The Cost to Cancel Checks at Banks

Stop payment fees vary depending on the bank and the type of account you have.
Spencer TierneyNov 8, 2021

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The fee to cancel, or “stop payment,” on a check can be $30 or more at many large banks. However, some banks and credit unions charge less, and the cost can vary depending on how you make the request. Here’s an overview of what you might pay.

» Want to start at the beginning? Find out how to cancel a check

Stop payment fees by financial institution

Here’s what it costs to request a stop payment for a personal check* at some of the bigger banks and credit unions:

Financial institution

Stop payment fee**

Ally Bank


Bank of America

$30 (waived for customers with Advantage Relationship Banking, Advantage with Tiered Interest Checking, Advantage Regular Checking accounts and Preferred Rewards), $0 for recurring debit transactions.


$25 via online or automated telephone banking; $30 via customer service call or at branch (waived for customers with Chase Sapphire Checking).


$30 (waived for customers with Citigold and Citi Priority accounts, as well as Private Bank clients).

Navy Federal Credit Union

$20 for a single item; $25 for a series of items.

Wells Fargo


Alliant Credit Union

$0 via online or phone; $25 when submitted verbally or in writing.

Bank5 Connect


BMO Harris Bank


Capital One 360


Connexus Credit Union


Consumers Credit Union


Discover Bank


HSBC Direct

$30 (waived for customers with HSBC Premier accounts).



PenFed Credit Union

$20 for a single stop payment; $30 for two or more simultaneous stop payments.

PNC Bank

$33 (waived for customers with Performance Select Checking).

SunTrust Bank


TD Bank

$30 (waived for customers with TD Relationship Checking & Savings, TD Beyond Checking and TD Premier Checking accounts). ***



Union Bank

$15 via online or automated telephone banking; $30 via customer service call or at branch.

U.S. Bank

$35 ($20 for Premium and Platinum Checking customers, $0 for members of the military).

*A preauthorized series of electronic transfers can also be canceled. Cashier's checks and certified checks usually are not eligible for stop payments.

**This information is based on each financial institution's current deposit agreements and disclosures online.

***TD Bank is only available on the East Coast: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA.

Some requests cost more

Generally, you can ask for a stop payment through online banking, automated telephone banking or customer service at a branch or over the phone. Some financial institutions have the same fee no matter what; others charge more for personal assistance.

Canceling multiple checks can be cheaper

Some institutions, including Navy Federal Credit Union and Pentagon Federal Credit Union, charge just a bit more to stop payment on a consecutive series of checks than they do for just one check. So if you lost or made errors on several checks recently, you can cancel them all at once at a lower cost than you could if you paid a separate fee for each one.

Chime logo
Learn More

Deposits are FDIC Insured

Chime Spending Account

Chime logo


Monthly fee


One logo
Learn More

Deposits are FDIC Insured

One Spend

One logo


Monthly fee


Citibank, N.A. logo
Learn More

Member FDIC

Citi Priority Checking

Citibank, N.A. logo


Monthly fee


LendingClub Bank logo
Learn More

Member FDIC

LendingClub Rewards Checking

LendingClub Bank logo


Monthly fee


Renewing a stop payment costs money, too

When a check’s date is more than six months old, most banks will consider it “stale,” but some may still honor it. A stop payment on a check usually lasts six months, so if you’re afraid a check might still be cashed at a later date, you’ll need to pay a fee to renew the stop payment.

Banks have a reason for not letting stop payment requests last forever.

"There is a lot of operational work around a stop payment," says Shirley Inscoe, senior analyst of retail banking and payments at the Aite Consulting Group in Boston.

When your bank approves a request to stop payment on a check, it must be able to single out and block that check. If your bank clears it by mistake, it becomes liable for that payment, Inscoe says.

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