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When do checks expire? How long do I have to cash a check after is it issued?


I have a couple of checks from businesses. Usually they'll say 'Void after 90 days' or something to that effect, but there's not such statement on a couple of them. So, how long would I have to cash them? Are they good forever?

1369 day(s) ago

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ebilwabbit
It depends on the issuing bank's policy. Some banks honor checks for 12 months, but the standard is 6 months unless specifically noted. You can contact the issuing bank and ask, but no, they will not be good forever.

Posted 1350 day ago

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Larry
Believe it or not, there really is no firm rule about this in the United States. Technically, it's possible for your bank to try to cash a check even after the printed expiration date, but only if they have a good faith reason to believe that there are funds to cover the amount, and also that you're not up to anything fraudulent.
Now, those are a couple of big "only ifs", and because of that, most banks will (1) honor any "Void after XX days" printed on the check - they simply won't cash it past that date, and (2) in most circumstances, a bank will not cash a check that is more than six months old - 180 days past the issue date and it's a no go.

Again those are general rules. In special circumstances, you may very well be able to get a check cashed outside of those parameters. But if you can, go ahead and get those checks cashed now before they're more than 1-2 months old -- save yourself any confusion or delay at the bank, because even if it gets cashed, it's possible that you'd have a delay while the bank teller asks management whether they should honor your four-month-old check.

Posted 1369 day ago

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