2006-08-26 17:53:07 · 7 answers · asked by Sheryl L 1 in Business & Finance ➔ Personal Finance
A personal check is negotiable for 6 months. After the 6 months, it is considered "stale dated" and is no longer negotiable. However, if the check is deposited in an ATM machine or in any method other than by a teller, it will more than likely never be seen by human eyes and will pass through the checking system. On the other end, the payor may dispute it. I think it is only 1 day that they have to dispute it. Depending on the bank, if it was paid and the intention was that it be paid, then the payor would have had to place a stop payment to keep it from being paid. To verify this you can search on American Bankers Association .
2006-08-26 18:38:02 · answer #1 · answered by Linda M 1 · 1⤊ 0⤋
personal checks I think is 1 year. On official checks, it will give you how long that you can hold it before cashing.
2006-08-26 17:58:53 · answer #2 · answered by Susan L 7 · 1⤊ 0⤋
It depends on the financial institution that would pay it. I would need more info to more accurately answer the question. Why are you holding it or why do you want it held? If you keep it past two cycles, the writer might stop payment on it. If you've post-dated a check, be aware that no bank has to honor it.
2006-08-26 19:45:46 · answer #3 · answered by misslabeled 7 · 1⤊ 0⤋
30 days. Why would you hold a check for longer than that? Call the bank that the check is written on, as each bank has a different policy.
2006-08-26 17:59:15 · answer #4 · answered by brilliantyetconfused 4 · 1⤊ 0⤋
All but personal checks have expiration dates. A stop payment will end the latter.
2006-08-26 18:03:44 · answer #5 · answered by Anonymous · 1⤊ 0⤋
usually around 45 days..depends on what kind of check..some can be up to 90 days..
2006-08-26 17:57:57 · answer #6 · answered by ? 5 · 1⤊ 0⤋
Typically they are void after 90 days.
2006-08-27 02:05:57 · answer #7 · answered by personal_finance_101 3 · 1⤊ 0⤋