How to Get a Bank to Replace an Expired Check?
You may think that finding an uncashed check is like finding money. In most cases, a bank will honor a check that is several months old, but without an expiration date on it, the bank considers a check stale after six months. If you have an expired check and you wish to replace it, your best bet is to contact the person or company that issued the check and get a new one. However, in some cases, speaking with the issuing bank may help you get a new check.
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Instructions
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Look at the check to determine what financial institution issued it and then locate their contact information on the check. If it's not on the check, look up the bank in the phone book or on the Internet.
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Call the bank and ask them if your check is expired. If you don't see a "Void after" date on the check, it may still be good, even if it's been six months or more since the date the check was written.
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Bring the check into the bank and ask them if they can replace it. Some banks will either reissue or cash the check on the spot and others will contact the check writer to get approval.
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Pay the fee for a stop payment, if the bank requests. Often, a $25 "stop payment" fee is necessary to cancel out the previously written check before the bank can issue a new one.
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