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![Top Line](/web/20051222173438im_/http://www.fcac-acfc.gc.ca/eng/images/top_line.gif)
For Consumers |
Consumer Protection: Know Your Rights |
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Cashing a Government of Canada cheque
What If the Bank Refuses to Cash the Cheque?
A bank might refuse to cash a Government of Canada cheque for you, even though:
- you presented acceptable identification; and
- the cheque is for $1,500 or less.
If this happens, the bank must inform you in writing of its refusal to cash the
cheque. The bank, however, doesn't have to give you a written reason for its refusal.
If you disagree with the bank's decision not to cash the cheque and you want to
complain, ask the bank for its complaint handling process. Then follow the steps
in this process to have the bank's decision reviewed.
The bank must also give you written instructions on how to
contact the Financial Consumer Agency of Canada (FCAC).
The FCAC supervises banks to ensure they comply with federal consumer protection measures,
including the Access to Basic Banking Regulations, that apply to them. It analyses the
information it receives from consumers and the bank itself, and seeks appropriate compliance
action if it determines that the bank has not complied with the legislation.
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