Is there a time limit to cash a personal check?

Question

I recieved a personal check as payment for something I sold on Ebay over a year ago. I was going through a drawer recently and found it, I had never deposited it. It's dated 8.30.05...is it too late to deposit this? What should I do?

Answer 1

you can try to deposit it. but most banks have a policy of not cashing checks that are older than 90-180 days. depends on the bank. you can always try and see.

Answer 2

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Answer 3

If you deposit the check with a teller they will probably reject it as a stale check. However, it is still a valid check and you are perfectly entitled to deposit it.

I would recommend that you deposit it at an ATM along with multiple other checks so it is lost in the crowd so to speak.

If it clears you are set, if it bounces you'll pay a small returned check fee for your effort.

The other alternative is to contact the person you got the check from and ask them if they will reissue it.

Answer 4

the check is stale. However, the drawer is still liable for the money. If your bank will not present a stale check, you can call the person and ask for another check. Whatever happens, remember that the drawer still owes you the money.

Answer 5

6 months is the federal regulation. After that, it is stale dated and the bank that it is drawn on likely will not pay it. So if you deposit it at your bank, and they don't notice the date, the other bank will return it, and it will be charged back against your account.

Answer 6

Normally 90-180 days is the limit. Call your bank and ask them, since it's a business payment, they may allow it.

Answer 7

I would just take it to your bank and ask someone there because they are the only ones who can tell you if they will give you the money or if you need to throw it away and cut your loss.

Answer 8

180 days on my personal check.
guess that is standard.