Replace an unendorsed check that is reported lost or stolen when:
When a client reports the loss, theft, or non-receipt, determine if the check was cashed. If the check was cashed, a determination must be made about whether or not the signature is genuine.
Unless an immediate preliminary investigation shows that the client endorsed the check (non-forgery), replace the check by the 14th day after the client signs the Stop Payment Request.
When a client has previously made false reports of lost or stolen checks, more time is required for review. For these clients, replace the check by the 30th day after the statement is signed unless the investigation shows the client endorsed the check