After you review the code, discuss your claim with the issuing bank. Get more news, money-saving tips and expert advice by signing up for a free Bankrate newsletter. To ask a question of Dr. Don columns for additional personal finance advice. The content is broad in scope and does not consider your personal financial situation. Bankrate recommends that you seek the advice of advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy.
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From there, the bank will most likely ask you to purchase an indemnity bond. In that case, the OCC says your first recourse is simply to ask the person who bought the check to buy another one. However, that may not be realistic for them financially, or they may simply not be willing to comply.
If they opt not to purchase a replacement check, you could bring an indemnity bond to the bank that issued the original check and ask them to honor it. Technically, the OCC says you may be able to do that, depending on which bank issued the check.
And, you may have to wait up to days for the bank to refund the money to your account. You might consider using a money transfer company such as Western Union, PayPal, MoneyGram or Xoom , or electronic transfers from your checking account to be sure that your money won't get lost in the shuffle.
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