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To request a stop payment, you must provide your financial institution with certain information, such as the: You usually have to pay a fee for this service. Not all financial institutions provide a “stop payment” service. If a cheque is lost, stolen or has an error, you may want to request a stop payment to prevent the person or merchant from cashing it. These alerts may help you manage your day-to-day finances and avoid fees. Your financial institution may send you an electronic alert when the balance of your chequing or savings account falls below a certain amount. Get electronic alerts from your financial institution Make sure you know how much your financial institution will charge you if your cheque bounces. If your cheque doesn’t go through, you may also have to pay interest and “chargeback” fees. This is sometimes called “bouncing” a cheque. Your financial institution will usually charge you a non-sufficient funds (NSF) fee if there isn’t enough money in your account to cover the amount of a cheque you wrote.

keep a record of payments made by cheque.

always have enough money in your account to cover any cheques you write to avoid having to pay a fee.

allow enough time for the cheque to reach the person or merchant you're paying by the due date if you mail it.

There are things to consider when paying by cheque: Some businesses may still accept personal cheques. Personal cheques are a common way of paying rent or paying bills. When you write a cheque, you’re asking your financial institution to take that money from your bank account and transfer it to a person or merchant.

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