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An official check is a check that provides for the transfer of money with the payee being guaranteed payment. All members are eligible to request an official check. The official checks can be issued from your Savings, Checking or Money Market Accounts, or a Line of Credit (if issuing from a Visa, a cash advance must be completed). Click here to view the official check fee.
Options to request an official check include:
To request the check be made payable to a different payee, mailed to a different address or be sent overnight, Delta Community will need the amount, payee name and address the check should be mailed to (Delta Community branches can accept member’s fax requests to have an Official Check issued to a non-member).
If an official check is lost, stolen, or destroyed, a stop payment can be placed a minimum of 10 business days after the check was processed. If you received the check and then lost it, there is a fee to place a stop payment and an affidavit will need to be completed. A stop payment cannot be placed on an official check for any other reason (such as if you change your mind about giving it to the payee) and the Credit Union must honor an official check when it is presented for payment.
Official checks will expire after 5 years from the issue date. However, if an Official Check is not cashed after five (5) years, Delta Community is required to escheat (revert) the check funds to the state where the account is based.
What is the difference between a cashier's check & official check
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