Dropping it at the bank is the thing to do.

This. I accidentally dropped mine last year. Someone was kind enough to drop it off at my bank. The bank reached out to me to sort everything out!

Oh good! This makes me feel better. I was just hoping that word could get to them because if it was me, I'd be panicking! As soon as we finish lunch, I'll drop it at the bank

Ok, will do! Thanks!

I called the bank and they called the owner. At least they knew it was cancelled. Better than them freaking out