Updated November 20, 2025

How to Request a Stop Payment From Your Bank

Stop payments are not just for checks. Banks can also attempt to block ACH debits or debit card transactions when you give them enough detail. Here are the basics to understand before you file a request.

Check vs ACH vs debit card stops

Checks: Banks typically place a stop payment on an individual check number or a range. Provide the exact amount, date, payee, and check number to avoid errors.

ACH: Many banks can stop an upcoming ACH debit if you give the company name, amount, and date. Some may require you to revoke authorization directly with the merchant as well.

Debit cards: Card disputes often fall under card network rules, but some banks will attempt to block a pending card transaction when you report fraud or lost cards.

Time windows and fees

Stop payments usually need to be requested before the item posts. Banks may charge a fee and may set an expiration period (e.g., six months for checks). Ask your bank for their window and renewal rules.

Why a written letter helps

A written letter confirms the exact payment details, amount, and date you asked the bank to stop. It also documents your contact info if they need to follow up. You can generate a clean PDF letter using ourStop Payment Request tool.

If you are coordinating refunds or proofs for other issues, related templates likeBank Transfer Proof, Refund Proof, andDeposit Proof can help keep your records organized.

What to include

• Account number and type (checking, savings, or card).
• Payment amount, currency, and the date it was authorized or scheduled.
• Payee/merchant name and check number if available.
• Your contact phone and email for confirmations.
• The reason you need the stop payment (fraud concern, lost check, duplicate charge).