Why do I have to wait 90 days to cancel an official check. The Check was not deposited and never cash



@LL007 Could you please share if you still have that Official Check? If you have the check in your possession, you can still deposit it back into your account by endorsing the back and putting Not For Purposes Intended.  The reason for the 90 day wait period is because the funds are guaranteed to the payee for 90 days if the check is cashed at any time during this time frame. ~Tom