Cashing a Government of Canada cheque: rights and responsibilities

From: Financial Consumer Agency of Canada

Your rights

  • You can cash a Government of Canada cheque for free at any bank.
  • You can cash a Government of Canada cheque at a bank where you are not a customer, as long as:
    • the cheque is for $1,500 or less, and
    • you show acceptable identification

Learn about what types of identification are acceptable and when a bank can refuse to cash a Government of Canada cheque.

Government of Canada cheques are never considered stale-dated. This means that you can cash them no matter how old they are. However, a financial institution may first want to verify that the cheque is legitimate, by contacting the federal government’s Cheque Redemption and Control Directorate.

If you are having a problem cashing an old federal government cheque, you can send it to the Cheque Redemption and Control Directorate at the following address and ask to have it reissued with a current date:

Cheque Redemption and Control Directorate
Returned Cheques
P.O. Box 2000
Matane QC  
G4W 4N5

What you should do if you feel your rights are not being respected

If you feel that a federally regulated financial institution is not respecting your rights, contact the Financial Consumer Agency of Canada.  

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