Learn what to do if you have a personal check that has expired or is considered stale, and how banks handle these situations.
Banks are legally obligated to honor a personal check for up to six months. Here’s what you should do if you have a “stale” check.that paper checks would become obsolete by 2026. However, some people still use them to pay for goods and services.
“Most banks will honor those checks for up to 180 days and the pre-printed language is meant to encourage people to deposit or cash a check sooner than later,” Huntington says.checks with an issue date older than six months are known as “stale checks” and financial institutions aren’t legally required to cash them. But some banks may cash or deposit them at their own discretion if they believe the funds are still available.
“By law, U.S. Treasury checks are good for one year after the date on the check. This means that federal tax refund checks are good for one year as those are issued by the U.S. Treasury. After that time, you’re still entitled to money the government owes you,” Huntington says.“It’s generally a good idea to cash a cashier’s check before the expiration date printed on it, if there is one,” Capital One says.
Stale Check Personal Check Expired Check Banking Replacement
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