american express travellers cheques deceased

How to Cash Travelers Checks of a Deceased Person

Cashing a traveller’s check for a deceased person can be a challenging and emotional process, but it’s important to ensure that their finances are handled properly. In this guide, we’ve provided a step-by-step process to help you through this difficult time.

Step 1: Gather the Required Documents and Information

The first step in cashing a traveller’s check for a deceased person is to gather all the required documents and information. This includes the original traveller’s checks, a certified copy of the death certificate, and legal documentation that proves your authority to act on behalf of the deceased person’s estate. Be sure to keep these documents in a safe and secure location.

Step 2: Determine the Executor of the Estate

The executor of the estate is the person named in the deceased person’s will or appointed by the court to manage their affairs after they pass away. If you’re the executor, you’ll need to provide documentation to prove your status and authority to act on behalf of the deceased person’s estate.

Step 3: Locate the Bank or Financial Institution

The next step is to locate the bank or financial institution where the traveller’s checks were purchased. This information may be on the original checks or in the deceased person’s financial records. If you can’t find this information, you can try contacting the bank or financial institution where the checks were cashed in the past to see if they have any records.

Step 4: Provide the Required Documentation

Once you’ve located the bank or financial institution, contact them to determine their specific requirements for cashing a traveller’s check for a deceased person. When you visit the bank, be sure to bring all required documentation, including the original traveller’s checks, a certified copy of the death certificate, legal documentation proving your authority to act on behalf of the deceased person’s estate, and identification for yourself.

Step 5: Sign and Endorse the Traveler’s Checks

To cash the traveller’s checks, you’ll need to sign and endorse them. Be sure to sign the checks exactly as the deceased person’s name appears. If the checks are not properly endorsed, the bank or financial institution may not accept them.

Step 6: Cash the Traveler’s Checks

Once you’ve provided all the required documentation and endorsed the traveller’s checks, the bank or financial institution will process the transaction and provide you with the cash. Each bank or financial institution may have specific requirements and fees, so it’s best to contact them in advance to ensure that you have everything you need and to ask about any applicable charges or deductions.

Frequently Asked Question

Can a traveler’s check be cashed by anyone.

No, traveller’s checks can only be cashed by the person whose name is on the check or someone who has been granted power of attorney to act on their behalf.

What if the original Traveller’s checks can’t be found?

If you can’t find the original traveller’s checks, contact the bank or financial institution where they were purchased. They can issue replacement checks or provide other options for accessing the funds.

Are there any fees involved in cashing a traveller’s check for a deceased person?

Each bank or financial institution may have specific requirements and fees, so it’s best to contact them in advance to ensure that you have everything you need and to ask about any applicable charges or deductions.

cashing a traveller’s check for a deceased person may be a difficult and emotional process, but by following these steps and gathering all the necessary documentation, you can ensure that their finances are handled properly. Remember to contact the bank or financial institution in advance to ensure that you have everything you need and to ask about any applicable fees or charges.

Afza Ahmad is a freelance writer specializing in finance and banking. With an in-depth knowledge of the industry, she has written extensively on topics ranging from stock market trends to international banking regulations.

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What do I do if I have a check from a deceased person? When someone dies, their estate is responsible for settling their financial affairs. This can include closing bank accounts, cashing checks, and paying bills. CheckGuidance is here to help. We provide clear and concise instructions on how to cash a deceased person’s check….

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Many of us know the emotional strain of losing the one we know. It may be a family member or your friend or colleague. After the death of loved ones, there come certain events when you have to deal with their social doings. Such includes making sure of their financial proceedings. It may consist of…

Many of us know the emotional strain of losing the one you know. It may be a family member or your friend or colleague. After the death of loved ones, there come certain events when you have to deal with their social doings. Such includes making sure of their financial proceedings. It may consist of…

How To Cash the Final Paycheck Of Deceased Spouse Many of us know the emotional strain of losing the one we know. It may be a family member or your friend or colleague. Especially if you’re in a marital relationship, after the death of your spouse, there come certain events when you have to deal…

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If You Have Old Traveler's Checks Lying Around, Here's Why You Should Cash Them ASAP

By Jason Cochran

03/07/2023, 6:15 PM

For a long time, the standard advice about traveler's checks has been conditional: You can still buy them, but be prepared for them to be refused at many places.

Traveler's checks hail from an era before ATMs, credit cards, prepaid debit cards, and digital wallets, when travelers had to bring large sums of money with them to pay for their adventures. The traveler's check enabled people to remain well-funded without the risk of carrying actual cash.

But we no longer need to carry ready funds wherever we go. We have digital payments. And as that global technology has grown, the systems that handle archaic proxy forms of payment such as traveler's checks have vanished.

Many former issuers of traveler's checks, such as Thomas Cook, Bank of America, Chase, and AAA, have either discontinued their traveler's check programs or gone out of business altogether. 

Yet there are still some consumers out there who seek out this form of payment out of familiarity. 

American Express acts like they're still worthwhile. ("Travelers Cheques mean peace of mind," the  Amex website promises .) So does  Visa , which issues them through its banking partners. 

Don't succumb. You could end up stuck with the checks after you get back home.  

Previously, if you still had some traveler's checks in your possession after a trip, you could redeposit them in your bank account. After all, they never expire.

But now big financial institutions have changed the rules. 

Last December, Charles Schwab, a major player in consumer investing, announced that it would no longer accept traveler's checks as deposits. (The company also announced it would no longer accept mobile deposits of money orders.) The warning was quietly slipped into a tiny box in the Charles Schwab app.

Financial institutions, like airlines, tend to imitate one another's consumer products. Your bank may follow suit, if it hasn't already.

In Chase's case, sales of traveler's checks were halted in 2015, but Chase still accepts them on deposit for now.

Many banks, though, will simply refer you back to the company that originally underwrote the transaction, so getting your cash might involve detective work and mailing the old checks to Europe  to petition for a refund.

Yet a lot of online travel tips still present traveler's checks as an uncommon-but-viable option.

A 2022 post by First Republic Bank sold them as "still a worthy option to consider," and a 2022 post from Capital One warned there may be a fee to deposit unused traveler's checks, but didn't mention that many banks aren't even capable of doing that anymore.

I tested ChatGPT with a question about how to obtain traveler's checks for a vacation. Because the A.I. software is fed by all the bad information online, the chatbot told me traveler's checks "have become less common in recent years," but then nonetheless proceeded to instruct me how and where to buy some.

ChatGPT never warned me that I could potentially have trouble cashing the leftovers after my trip ends.

If you research more carefully, you can find stories of people who run across old traveler's checks but have a hard time locating anyone to redeem them—even at the buyer's own bank or the institution named on the check. 

If you can't use traveler's checks easily and you can't easily get your money back afterward, they're not what I'd call a viable option anymore.

One statistic that's frequently cited online states that more than $1 billion in unredeemed traveler's checks are still circulating. Many of those checks are leftovers from long-ago vacations that came in under budget or vestiges of well-meaning grandparents who assumed buying traveler's checks as gifts was as safe as buying a bond.

Although that $1 billion figure may not be accurate, there's still no doubt that heaps of old traveler's checks are out there, forgotten in the backs of closets, sock drawers, and safe deposit boxes. The avenues for getting the value back out of the checks are swiftly closing.

So it's time to call it. Traveler's checks should never be used. 

More to the point, if you have any old traveler's checks somewhere, get the value back out of them as soon as possible.

And don't buy any more ever again. Not unless you want to run the risk of locking your hard-earned money into pieces of paper.

When it comes to travel, any company that is still issuing traveler's checks probably shouldn't be. Consider them dead.

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How to Redeem Unused Traveler's Checks

How to Redeem Unused Traveler's Checks. Though they can be difficult to use in some locations, traveler's checks provide a safe form of money when you travel. If you have traveler's checks left over after a trip, or if you're the executor of an estate that includes traveler's checks, they're relatively easy to redeem for cash.

Realize that traveler's checks don't expire, so if the checks are yours and you're going to travel in the future, you can save your unused traveler's checks for your next trip.

Exchange your travelers checks for cash free of charge if your vendor has a partnership program with banks and other exchange vendors. For example, when you travel abroad with American Express traveler's checks, you can exchange them for the local currency at any American Express Travel Service Office or at any of their partner locals. Check with your vendor to find out if they have a program like this.

Deposit unused traveler's checks in your bank account if they're in your home currency and they're made out to you. Take them to a teller's window to deposit them and receive cash in return. If they're in a foreign currency, you must take them to a bank that can accept that currency. Call your financial institution if you have questions.

Redeem a deceased person's unused traveler's checks if you're the executor of the estate, or if you're named as the beneficiary. To do so, take the traveler's checks, death certificate and papers declaring the executor or beneficiary to the estate's bank. Provide the phone number of the traveler's check vendor so the bank can contact them and make arrangements for the redemption of the checks.

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Home » Travel » Question: Can You Cash Travellers Checks Of A Deceased Person

Question: Can You Cash Travellers Checks Of A Deceased Person

Call your financial institution if you have questions. Redeem a deceased person’s unused traveler’s checks if you’re the executor of the estate, or if you’re named as the beneficiary. To do so, take the traveler’s checks, death certificate and papers declaring the executor or beneficiary to the estate’s bank.

What to do with Travellers Cheques when someone dies?

What should be done with a deceased person’s unused Travelers Cheques? A refund can be arranged for the unused Travelers Cheque to the next of kin or beneficiary. Please call Customer Services on (08005876023) or find the contact number for your current location.

How long are travelers checks good for?

Traveler’s checks don’t expire: You can either keep them for future use or deposit them into your bank account once you’re home. If checks get lost or stolen, contact the issuer immediately: You may be able to get replacement checks locally, and the issuer needs to know which checks are potential fraud risks.

Can you cash in Travellers Cheques?

Yes, any unused Travellers Cheques can be cashed at any NM Money or Eurochange branch. In branch at any of our 190+ UK NM Money or Eurochange locations. Visit our branch locator to find your nearest branch. No, Travellers Cheques have no expiry date so can be cashed irrespective of issue date.

Can you deposit travelers checks in your bank account?

We have learned all major banks including BofA will let you deposit uncashed traveler’s checks that are in your name into your account. Most banks like Bank of America, JPMorgan Chase and Wells Fargo, no longer issue traveler’s checks, and many merchants will not honor them.

Can I cash old American Express Travelers Checks?

Traveler’s checks never expire, so if you have some that are unused, you should be able to cash them at home, in your home currency.

Are travelers checks still a thing?

Now, many banks — including giants like Chase, Wells Fargo and Bank of America — no longer offer traveler’s checks. But traveler’s checks aren’t yet obsolete. You can still find them from such companies as American Express, AAA and Visa.

Where can I cash travelers checks?

You can usually cash travelers cheques at banks, currency exchange bureaus (bureaux de change in some countries) and at American Express travel service locations. Some larger hotels and other businesses still accept them, too.

How do I cash Old Travellers Cheques?

Simply present the Cheque to the acceptor or bank where you wish to cash it. Make sure the acceptor watches while you countersign the Cheque in the lower left-hand corner. You can also exchange your Travellers Cheques for local currency free of charge at thousands of locations around the world.

How do I cash American Express travelers checks?

How do I cash Travelers Cheques? Simply present the Cheque at the exchange or merchant location. Make sure the acceptor watches while you countersign the Cheque on the lower signature line. Photo identification may be required.

Why are Travellers cheques safer than cash?

They we’re generally used by travellers instead of cash, because of the added security they can offer. If a travellers’ cheque is lost or stolen, it can be cancelled and replaced by whoever issued it, which is handy for vulnerable tourists.

Can I cash Thomas Cook Travellers cheques?

Travelex, which bought Thomas Cook’s travel money business in 2000, will still accept the cheques, albeit for a 5 per cent fee. I would recommend cashing them in, along with any others you might have knocking about, and treat yourself to a night out.

Can you cash a traveler’s check at an ATM?

If for some reason, you can’t cash your check in your location (perhaps you are in a small town without a bank), a back up form of payment can be crucial. Some companies offer travelers check debit cards. They are just as easily replaced if lost or stolen, and they can work in automatic teller machines (ATM).

Does Bank of America accept travelers checks?

No, we don’t. As a result of customer feedback regarding the many difficulties involved in cashing and using travelers cheques, we no longer offer this product. Many countries periodically take their currency notes out of circulation. Bank of America only accepts foreign currency bills that are in current circulation.

Does Walmart take travelers?

Only a select amount of Walmart stores accepts traveler’s checks as a payment method as of 2021. Customers should contact their local Walmart in advance to confirm if they accept this form of payment. Walmart’s that do accept traveler’s checks can cash amounts up to $5,000 and use the cash to pay for your purchase.

Do checks expire if not cashed?

Personal, business, and payroll checks are good for 6 months (180 days). Some businesses have “void after 90 days” pre-printed on their checks. Most banks will honor those checks for up to 180 days and the pre-printed language is meant to encourage people to deposit or cash a check sooner than later.

Can I cash my husbands check?

Generally, banks will only cash checks for the payee shown on the face of the check, upon producing proper ID. It’s easier to cash the check when you have a joint bank account. Even then, the bank will insist that your husband endorse the check to you by signing the back of the check.

Can US checks be cashed overseas?

U.S. banks will accept an international check. However, most have the same policy. Banks will present the check for payment on the foreign bank and will not deposit the funds until the foreign bank has payed the U.S. bank. The U.S. bank may also have a limit on the amount of the check and may charge a fee.

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20 year old unused travelers checks... what to do with them?

Post by anon_investor » Sun Sep 01, 2019 4:26 am

Re: 20 year old unused travelers checks... what to do with them?

Post by sport » Sun Sep 01, 2019 5:02 am

Post by veindoc » Sun Sep 01, 2019 5:13 am

Post by motorcyclesarecool » Sun Sep 01, 2019 9:52 am

Post by sunny_socal » Sun Sep 01, 2019 10:35 am

motorcyclesarecool wrote: ↑ Sun Sep 01, 2019 9:52 am Hmmm, I wonder whether travelers’ checks in a safe deposit box might be a better solution than hoarding cash in the event of negative rates?

Post by Sconie » Sun Sep 01, 2019 12:00 pm

Post by nisiprius » Sun Sep 01, 2019 12:34 pm

Post by GrowthSeeker » Sun Sep 01, 2019 1:00 pm

Post by 7eight9 » Sun Sep 01, 2019 6:37 pm

Post by nisiprius » Sun Sep 01, 2019 8:26 pm

7eight9 wrote: ↑ Sun Sep 01, 2019 6:37 pm The cage at your local casino will likely be pleased to cash them for you.

Post by 7eight9 » Sun Sep 01, 2019 8:32 pm

nisiprius wrote: ↑ Sun Sep 01, 2019 8:26 pm 7eight9 wrote: ↑ Sun Sep 01, 2019 6:37 pm The cage at your local casino will likely be pleased to cash them for you.

Post by anon_investor » Sun Sep 01, 2019 8:40 pm

Post by ResearchMed » Sun Sep 01, 2019 10:58 pm

Post by Invest4lt » Sun Sep 01, 2019 11:16 pm

Post by anon_investor » Sun Sep 01, 2019 11:23 pm

Invest4lt wrote: ↑ Sun Sep 01, 2019 11:16 pm I was in a similar position with some very old travelers checks. I brought them into my bank and they entered the check numbers into some type of website or database. They came up as not cashed and not reported stolen. The teller then deposited into my account. Glad to be rid of them.

Post by Invest4lt » Sun Sep 01, 2019 11:30 pm

anon_investor wrote: ↑ Sun Sep 01, 2019 11:23 pm Invest4lt wrote: ↑ Sun Sep 01, 2019 11:16 pm I was in a similar position with some very old travelers checks. I brought them into my bank and they entered the check numbers into some type of website or database. They came up as not cashed and not reported stolen. The teller then deposited into my account. Glad to be rid of them.

Post by nisiprius » Mon Sep 02, 2019 2:49 am

7eight9 wrote: ↑ Sun Sep 01, 2019 8:32 pm nisiprius wrote: ↑ Sun Sep 01, 2019 8:26 pm 7eight9 wrote: ↑ Sun Sep 01, 2019 6:37 pm The cage at your local casino will likely be pleased to cash them for you.

Post by MrDrinkingWater » Mon Sep 02, 2019 3:02 am

Post by abyan » Mon Sep 02, 2019 3:46 am

Post by anon_investor » Mon Sep 02, 2019 3:54 am

abyan wrote: ↑ Mon Sep 02, 2019 3:46 am Mine were like 40 or 50 years old (some of them). My bank accepted them. Though it was hard matching my teenage signature!

Post by Silk McCue » Mon Sep 23, 2019 11:22 am

anon_investor wrote: ↑ Mon Sep 02, 2019 3:54 am abyan wrote: ↑ Mon Sep 02, 2019 3:46 am Mine were like 40 or 50 years old (some of them). My bank accepted them. Though it was hard matching my teenage signature!

Post by whodidntante » Mon Sep 23, 2019 12:20 pm

Post by FrankLUSMC » Mon Sep 23, 2019 12:52 pm

Post by anon_investor » Mon Sep 23, 2019 3:46 pm

FrankLUSMC wrote: ↑ Mon Sep 23, 2019 12:52 pm As of today Thomas Cook is out of business, so you may be out of luck now. Held too long.

Post by rich126 » Mon Sep 23, 2019 3:54 pm

According to the Federal Reserve Bank as of April 2018, there are $1.8 billion worth of outstanding traveler's checks. This is down 80% from the high of $9.2 billion in May, 1995.

Post by Kenkat » Mon Sep 23, 2019 4:07 pm

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Redemption of American Express ® Travelers Cheques

Travelers Cheques have been a timeless addition to the world traveler’s carry-on for over 130 years. While new Travelers Cheques are no longer issued, your Cheques remain backed by American Express and have no expiration date.

REDEEM WITH AMEX ANYTIME

NO EXPIRATION DATE

24/7 CUSTOMER SERVICE

BACKED BY AMERICAN EXPRESS

HOW TO REDEEM

Travelers Cheques can no longer be purchased but can be redeemed in several convenient ways. Here’s how:

REDEEM WITH AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.

REDEEM ONLINE

Quickly and securely redeem your Travelers Cheques online .

Call American Express Customer Service at 1 800 688 022 or find additional contact numbers based on your location to redeem over the phone.

DEPOSIT WITH YOUR BANK

Confirm whether your bank allows account holders to deposit Travelers Cheques. Fees may apply.

EXCHANGE FOR LOCAL CURRENCY

Travelers Cheques can be exchanged worldwide. Find exchange locations . Fees may apply.

TRAVELERS CHEQUES EXCHANGE LOCATOR

Find the nearest exchange location.

Service Center

Have more questions?

Here are some common scenarios and what to do.

UNDERSTANDING TRAVELERS CHEQUES

Keep your Cheques secure until you’re ready to redeem.

Protect yourself in case of loss or theft by signing on the upper signature line.

Record the serial numbers and keep them in a safe place when you travel.

Keep your Cheques tucked away and hidden like you would cash.

When the time comes, sign your Cheque on the lower signature line in sight of the person accepting it.

Find documents you may need in case of claiming inherited Cheques, lost or stolen Cheques, and more.

DOCUMENTATION

Additional documents may be required based on the claim type. Typical documents include:

• Valid Photo ID (Passport, Driver's License or Government Issued ID)
• Copy of the Voided Travelers Cheque(s)
• Refund Details

UPLOAD DOCUMENTS

Once you have gathered the required documents and filled out any required documents and forms, upload here. Clear images will help expedite processing.

UNABLE TO UPLOAD?

If you’re unable to upload your completed documents, you can send hard copies directly to American Express .

INHERITED CHEQUES

How to redeem your inherited Travelers Cheques if the original owner is deceased or incapacitated.

1. OPEN A CLAIM

Call American Express Customer Service at 1 800 688 022 or find additional contact numbers based on your location to begin a claim over the phone.

2. IDENTIFY & LOCATE REQUIRED DOCUMENTS

List of required documents and forms can be found here . You’ll need these to submit your claim.

3. UPLOAD REQUIRED DOCUMENTS

Be sure to upload clear images for faster processing.

4. IF YOU’RE UNABLE TO UPLOAD

As an alternative to submitting online, you can also mail hard copies of your documents to American Express .

*Travelers Cheque Encashment service is provided by American Express Travel Related Services Company, Inc.

Can I buy Travelers Cheques?

Travelers Cheques are no longer issued and so cannot be purchased. 

Where can I redeem my Travelers Cheques?

There are thousands of foreign exchange partners in countries around the world where you can exchange your American Express Travelers Cheques for local currency. You can find places to redeem your Travelers Cheques using " Find Exchange Locations ". It may also be possible to redeem your Travelers Cheques directly for goods and services. Check first, though, with the merchant. American Express does not approve the use of its products, or any services related to its products, in the following territories: Crimea, Donetsk, and Luhansk Regions of Ukraine, Cuba, Iran, North Korea, Syria, Russia and Belarus.

Can I redeem my Travelers Cheques directly with American Express?

Yes, you can redeem your Travelers Cheques directly with American Express Travel Related Services Company, Inc. online . Alternatively, you can call American Express Customer Service at 1 800 688 022 to register a redemption claim. You can find additional contact numbers based on your location. We may have to contact you with questions regarding your claim or to request additional information.

How do I redeem my Travelers Cheques?

You can redeem your Travelers Cheques directly with American Express Travel Related Services Company, Inc. Please refer the “How to Redeem” section above. Alternatively, simply present the Cheque at an eligible foreign exchange partner or merchant location. Make sure the acceptor watches while you countersign the Cheque on the lower signature line. Photo identification may be required. We strongly recommend you retain and carry your original Cheque purchase receipt with you when you travel. Commission charges may apply and can vary by country or exchange partner. Exchange limits may apply due to local regulations and exchange policies.

What happens if I sign my Travelers Cheques in the wrong place, or if my signatures don't match?

Acceptance of Travelers Cheques is based on the acceptor watching the customer sign the Cheque on the lower signature line, and then comparing that signature with the original signature on the upper signature line. The acceptor must observe the customer signing the Cheque. If the signatures are a reasonable match, the Cheque should be accepted. Photo identification may be required at the discretion of the acceptor. As always, if the acceptor is unsure, they should call an American Express Travelers Cheque Customer Service Center .

Is there a fee to cash Travelers Cheques?

Commission charges may apply and can vary by country and/or exchange partner. Before you travel, we recommend that you find the most convenient Travelers Cheque exchange locations using the Find Exchange Locations .

What happens if my Cheques are lost or stolen?

Lost or stolen Travelers Cheques may be refunded.* Please call Customer Service at 1 800 688 022 or find the additional contact numbers for your current location. Have your recorder serial numbers on hand when you call.

* Terms & Conditions and restrictions apply. Identification and proof of purchase required.

Still Need Help?

Call American Express Customer Service 24/7 at  1 800 688 022 or find additional contact numbers based on your location.

American Express stopped issuing Travelers Cheques, so they’re no longer available for purchase. Support is available by phone and the American Express website for customers to redeem valid Travelers Cheques. Travelers Cheques remain backed by American Express and have no expiration date.