How long must a bank keep canceled checks / check records / copies of checks?
Generally, if a bank does not return canceled checks to its customers, it must either retain the canceled checks, or a copy or reproduction of the checks, for five years. There are some exceptions, including for certain types of checks of $100 or less.
The bank must provide you with a copy of any canceled check within a reasonable period of time from your request. The bank may charge a fee for this service.
Last Reviewed: October 2020
Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on HelpWithMyBank.gov should not be construed as legal advice or a legal opinion of the OCC.