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If you lose a cashier's check you must notify the bank, fill out a declaration of lost form, and wait\u2013it can take 90 days (after you file) to recoup the money. The bank will levy a fee of $30 or more when you cancel a cashier's check.
(3) "Declaration of loss" means a statement, made in a record under penalty of perjury, to the effect that (i) the declarer lost possession of a check, (ii) the declarer is the drawer or payee of the check, in the case of a certified check, or the remitter or payee of the check, in the case of a cashier's check or ...
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