--- title: Stop payments slug: concepts/payments/checks/stop-payments description: Cross River stop payments block unprocessed checks; once processed, disputes apply. Returned checks are inbound (from Fed) or outbound (from CR). docTags: createdAt: 2025-03-23T11:01:20.756Z --- ## Stop payments intro If the payer has passed a check that the payer FI has not yet processed, they can put a stop payment on the check. Once a check has been processed by the payer FI, a stop payment cannot be made. Instead, a dispute must be filed by the payer. ## Fees If the payee deposits the check after the check has had a stop payment put on it, the payee FI generally charges the payee a penalty fee. The payer bank will likely also charge for the stop payment service. ## Details Usually the check amount, check number and account number is included the stop payment instructions. In addition, whether deposited or used as a payment, a check might be returned for a number of reasons. - A returned check presented to Cross River by the Federal Reserve is considered an *inbound return*. - A check returned by Cross River is considered an *outbound return* For further guidance, please refer to: **Reg E 1005.10 Preauthorized Transfer (c) Customer's Right to Stop payment** section in the following link: