How long can you hold a check before endorsing and cashing it ?

Answer 1

I believe business checks have a expire day (60-90-120 days) imprinted on the check. If it is a personal check and you are suspicious, deposit the check with other checks, see if it goes through; don't do it at the window, use the drop deposit. Usually they won't notice and if the account is still open it will process. The bank computer has no idea when a check was written by the check number, a teller can check that info manually and reject the check if she's having a bad day. LOL

Answer 2

You shouldn't have a problem, but some banks do require the person to be present to make a deposit into their own account. Just make sure you have all the required information: 1. Signed check 2. Check and Account Name are identical 3. Account Number 4. Correct Bank

Answer 3

You can hold it as long as you want but some business put a "good for" time on the check & personal accounts may not be good for long.
What limits are printed on the check ?
What is your purpose in NOT cashing it ?
Are you willing to risk the check becoming worthless ?

Answer 4

Business checks usually allow 90 days but personal checks (like from Aunt Bertha from Christmas) will go until they no longer have that account. It is usually safe to say 2 to 3 months though.

Answer 5

Usually 90 days

Answer 6

i think 3 months is the limit