What is the probability a bank will accept a check that is over six months old?

Question

I gave a check to someone just over six months ago and I am a little ticked he hasn't deposited it. Will his bank honor the check? It is Wells Fargo I believe and I am with Wamu. I am not about to reissue the check to him if they don't as it was a gift and not something owed to him.

Answer 1

I think all personal checks are good up to a year.

Answer 2

Checks normally expire after six months. I work for Wells, but I can tell you that 95% of the checks get returned back for stale dated...meaning they are over 6 months old. So when it goes through processing, it's all up to your bank WAMU. I would suggest check with them and ask how long does a check last before it expires. Good Luck!!!

Answer 3

This person held on to money for six months? There is only one way to find out if the bank will accept the check-the holder needs to try and deposit it, which presents an obvious problem. You have to persuade the holder to do something that he or she has not done for six months: deposit the check. If the bank accepts the check your worries are over.

Answer 4

personal checks are stale dated after 6months.
business / payroll checks are good for one year from date on check unless they it has a specific expiration date printed on the front of the check. Best bet?? conact the person who wrote you the check and ask them to give you a replacement why? if you do deposit it and lets say the teller you give it to does not catch that the check is old, when the check is presented to the bank it is drawn from, they may return it back to your account and that money will be owed by you to the bank and there is usually a fee associated with this.

Answer 5

Well the banks generally have their own policies but they will probably accept the check and hold the funds it until it is paid out of your account. I would stop payment on the check and if you calls and asks for a replacement then it is your choice in any event this way you know it won't clear.

Answer 6

You'd really have to check with the bank. My bank does not accept *any* checks over 90 days. They wouldn't even cash a check my own dad had given me, because he put the wrong date on it.

Answer 7

I'm a bank teller and we are not allowed to cash checks that are over 6 months old. The only way this would happen is if the teller is very inexperienced and accidentally cashes it.

Answer 8

Typically 90 days for a business check.
Personal check I think will cash as long as you have the account open unless otherwise stated on check.

Answer 9

The check may have something on it that says "Not valid after six months" or something to that effect. This notice is binding if it's on there, and it would make the check "stale." If there's no such notice, then your associate would probably be able to cash it.

Answer 10

I think some banks will accept and some will not accept. Some banks will close within 3 months only.

Answer 11

chances are if was a gift i would just leave that amount of money in my checking account just in case sometime you might make a minor math error and write a bad check to some one else!!!