There is no regulation that establishes when a check can no longer be honored or cashed.  Based on Uniform Commercial Code standards, the general rule of thumb is that a check is valid for six months after which time it is considered stale dated.

The term void does not really apply to a check regarding its date.  While a voided check is a check that is no longer valid, the term is usually reserved for checks that are canceled or deleted by the maker of the check.  Stale dated checks are checks that are outstanding and are more than 180 days old.

Under section 4-404 of the Uniform Commercial Code, a bank is under no obligation to a customer having a checking account to pay a check, other than a certified check, which is presented more than six months after its date, but it may charge its customer’s account for a payment made thereafter in good faith

The laws codified by the UCC allow a bank to refuse to pay on a check that is more than six months old.  However, it does not bar the bank form paying on the check and a bank may elect to pay on a check that has become stale dated or has past the six month time frame.  Most checks paid are processed using automation or electronic processing and do not get a sight inspection.  If the date on a check is not read or otherwise identified during the processing of the payment, the bank may very well honor the payment on a stale dated check and be within its rights to do so.

No user commented in " How Long has to go by Before a Check is Considered Void? "

Follow-up comment rss or Leave a Trackback

Leave A Reply

 Username (*required)

 Email Address (*private)

 Website (*optional)