Lost a cashier's check, money order, certified check, or stock certificate? Before the bank or company reissues it, they make you buy a lost instrument bond. Junno Surety issues these fast, often the same day.
- Who needs it
- Anyone who lost a cashier's check, money order, or certificate
- Bond amount
- Set by the bank, often the check amount
- What you pay
- A small percent of the bond, with a low minimum
- Term
- One time, until the item is safely reissued
- A claim protects
- The bank or company that reissues your funds
What is a lost instrument bond?
A lost instrument bond, sometimes called a lost cashier's check bond or an indemnity bond, is a promise to the bank. When you lose a cashier's check, money order, certified check, or teller's check, the bank will not simply reprint it. They worry the original could still be cashed. The bond protects them if that happens.
With the bond in hand, the bank feels safe reissuing your money. If the lost check is ever cashed by someone else, the bond covers the bank, and then you repay the bond company.
Who needs one?
Anyone who lost a negotiable instrument and wants it replaced. That includes a lost cashier's check, a lost money order, a lost certified or teller's check, and even a lost stock certificate.
The bank or company that issued the item is the one that requires the bond. You cannot get your funds back until you give them the bond.
How does it work?
Here is the usual path:
- You tell your bank the cashier's check or money order is lost.
- The bank tells you the bond amount they require, often the amount of the check.
- You buy the lost instrument bond from Junno Surety.
- You give the bond to the bank.
- The bank reissues your funds.
Some banks also make you wait a set number of days before they reissue, which is normal. The bond is what unlocks the replacement.
How much does it cost?
You do not pay the full bond amount. You pay a small premium, usually a percentage of the bond, with a low minimum. For most everyday amounts, this is affordable.
The bigger the lost check, the bigger the bond, and the higher the premium. Junno gives you a fast, free quote so you know the cost up front.
How to get your lost instrument bond from Junno
Tell us the bank, the type of item you lost, and the amount. We can often issue the bond the same day and email it to you, so you can hand it to your bank and get your money reissued quickly.
Junno Surety is a licensed agency and can often issue your bond the same day. Get your free quote → or call (762) 499-0237.
Frequently asked questions
Do I really need a bond to replace a lost cashier's check?
Usually yes. Most banks require a lost instrument bond before they reissue a cashier's check or money order, to protect themselves in case the original is cashed.
How big is the bond?
Your bank sets the amount. It is often the amount of the lost check, and some banks ask for a bit more. We will match whatever your bank requires.
How fast can I get it?
Often the same day. We email your bond so you can take it straight to the bank.
Which banks do you write these for?
All of them. We write lost instrument bonds for Bank of America, Wells Fargo, Chase, Fifth Third, and every other bank and credit union.