How long after receiving a check can you cash it, I lost one from june-ish and found it today...
by 
ANSWERS: 5
-
I think it is 6 months
-
Tell us when you have been to cash it!
-
6 months. Go to a real bank.
-
I had always heard it was a year, but I have actually cashed checks more than a year old a number of times.
-
Banking laws differ from state to state, most states consider that checks in excess of 6 months old are considered “stale dated.” Some are 90 days. Contrary to the conventional wisdom, stale dated checks can still be cashed successfully. However, the drawee's bank has the right to refuse payment on the check or “bounce” it. There have been instances in which personal checks dated from several years in the past have been cashed without a problem. In many cases, bank tellers simply don't check out the date on the check. Whether or not the drawee bank decides to accept the check is often a matter of “good faith.” That said, if you posses a personal check that's dated more than six months ago, the bank will still likely accept your deposit. Consider calling or mailing the issuer of the check and asking him or her to reissue a new check to avoid potential hassles. A banking customer may also choose to put a “stop payment” notice on long overdue checks. Thus, a situation may arise in which a three to four month old check, for instance, may bounce due to a stop payment notice.
MrJosh RELATED QUESTIONS
Copyright 2023, Wired Ivy, LLC