Not sure what you mean by recinding? If you are within the 3 day cancellation period allowed then you should get written proof of cancellation, and if you cancel there should be no need to stop payment on the check.
That assumes you are dealing with a reputable company. If you have any doubts, than pay the fee to your bank and stop payment on the check. In the end, it will give you peace of mind.
Make sure you get written proof of the cancellation, stop payment on the check, and let the company know you have done so.