But what about all of the other check types out there? What are their rules for expiration? Let’s take a look. Other Check TypesĪs we have just established, personal and business checks have a lifespan of 6 months. You will then simply need to make out a new check in their name. At this juncture, it’s best to contact the person you made the check out to in order to see if they plan on cashing it. If you happened to come across a check that you forgot to cash and notice that it’s older than 6 months, you should immediately contact your financial institution to see what their rules are for older checks.Ĭonversely, if you wrote a check that has not been cashed in quite some time, you may want to consider contacting your bank so that you can put a stop payment on it. So while personal and business checks are good for a period of 6 months, there are some banks that will honor checks older than 6 months. The UCC states that no bank is obligated to accept any check, whether personal or business, that is older than 6 months. These laws affect how sales and regulations are handled across the United States, and that includes checks. How Long Checks Are Good Forīanks operate under a set of laws established by the UCC (Uniform Commercial Code). Treasury checks, business checks, cashier’s checks, government checks, money orders, and traveler’s checks. But this length of time is different for other check types, such as U.S.
Personal checks are usually good for a period of 6 months, or 180 days. The exact length of time that a check is good for depends on the type of check you’re dealing with. With that being said, there are some factors that can affect this number. The majority of checks are good for about 6 months (or 180 days).
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