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Thread: When does a check 'expire'??

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    God/dess whirlerz's Avatar
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    Dizzy When does a check 'expire'??

    Ok, so I decided to borrow frm a life insur policy, I've had the check a month..I did ask them if I could just sent it bk, & they said I should send my own check in?
    Which I could do, but I kinda wanna keep my options open just in case I need it..
    I looked, as far as I can see, there's no expiry date (I've seen this on some checks, usually paychecks) I know we're kinda out of the era of checks now..
    I'm going to call them next wk as closed I'm sure tomorrow..but, I hate to say it, they're not the sharpest knives the drawer (from past exp).
    Just wondering about this.
    thanks a lot


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    God/dess shanna dior's Avatar
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    Default Re: When does a check 'expire'??

    It's up to the bank, but generally they don't accept checks that are more than 6 months old.

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    God/dess Zofia's Avatar
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    Default Re: When does a check 'expire'??

    Shanna Dior is correct, under the Uniform Commercial Code, banks are not obliged to take checks that are more than six months old. If they do and the check is dishonored, then the loss falls on the first bank that accepted the check. The check may have a restrictive statement on its face that reduces that time. Banks may also impose their own shorter limits.

    HTH
    Z

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    God/dess whirlerz's Avatar
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    Default Re: When does a check 'expire'??

    Thanks!
    I'm gonna call the co Mon, like I said, they're not the sharpest, but we'll see.


    MANY MEN WANTED TO LAY ME DOWN, BUT FEW WANTED TO LIFT ME UP

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    Default Re: When does a check 'expire'??

    Quote Originally Posted by Zofia View Post
    Shanna Dior is correct, under the Uniform Commercial Code, banks are not obliged to take checks that are more than six months old. If they do and the check is dishonored, then the loss falls on the first bank that accepted the check. The check may have a restrictive statement on its face that reduces that time. Banks may also impose their own shorter limits.

    HTH
    Z
    True, you can go into a branch or call your own bank and ask them what their policy is. All any teller or telephone CS will do is quote something of their instructions screen or ask their supervisor.

    I would still pursue getting the company to accept the check back. Read through your lending agreement about prepayments and rights of recission, which is sometimes a statutory right to cancel a sales contract involving financing within a certain amount of time.

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    Default Re: When does a check 'expire'??

    I recently received a money order which is somewhat like a check since it's a paper thing that has to be cashed and it said void after 7 years?!? Like dang i didn't know the last that long.

    But actual check though, I'd deposit that thing asap. If you have the mobile app for wherever the check originated you can use your mobile device to deposit into your bank account.
    “Cook for him like a housewife, fuck him good like a nympho….pay the rent and the car note, he invests in me like crypto”

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