How Long is a Check Good For?

Checks can be received for any number of purchases or services. Occasionally, checks can become lost, or busy schedules make trips to the bank difficult. At such times, people wonder how long the check is good for.

Stale Dating

A check is considered stale dated 6 months after the check is issued.

Reasoning

Unfortunately, the longer a check takes to clear, the less likely it is to cash successfully. Eventually, people may add the amount back into their accounts assuming the check will never be cashed, or they may close the account due to relocation or fraud.

Effects

Regulations are in place to allow banks to accept stale-dated checks at their discretion. Some banks will refuse to accept stale-dated checks completely or will place holds on them.

Misconceptions

Many people mistakenly believe the regulations forbid banks from accepting stale-dated checks. In truth, the regulation is in place to allow banks to set their own policies without fear of recourse from customers.

Considerations

It is always best to contact the intended bank of deposit to understand its policy on stale-dated checks.