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Thread: How long do checks last?
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01-26-2006, 12:37 AM #1Web Hosting Master
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How long do checks last?
I found a check (from work) that I apparently never cashed... from seven months ago.
I'd always thought the limit was six months, but some are telling me it's a year.
And if the limit is only 6 months... Will ADP (the huge payroll company) re-issue the check if I call?
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01-26-2006, 12:43 AM #2WHT Addict
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Normally checks will say what date they are good thru. I have deposited a check that was a year old once. Did not cause a problem. Might depend on your local laws as well.
-Dustin
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01-26-2006, 12:43 AM #3Web Hosting Master
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More than likely, if you deposit it or cash it it will be fine. My bank recently honored a check that I wrote several years ago ...
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01-26-2006, 12:54 AM #4Web Hosting Master
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From what I have seen from my checks it is a year. Though it can change I am sure from place to place.
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01-26-2006, 05:16 AM #5Web Hosting Master
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Payroll Checks are good for 90 days, in most cases. Read the check and it should specify such conditions. Call payroll and check with them. You will have to mail this one back and then they reissue a new one.
You can try to deposit this one, but if it fails, it will be returned to you AND your bank will charge you a processing fee. So, check ahead of time before doing the deposit.
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01-26-2006, 07:41 AM #6rogue element
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If a check expires, it will say so -- "must be cashed within 90 days" or some such. If a check doesn't say that, it never expires. A ten year old check from me may still be cashed, despite the fact that the name of the bank would be wrong, because the account and tracking numbers are the same. Without a specific expiration date noted, a check doesn't expire.
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01-26-2006, 08:36 AM #7Web Hosting Evangelist
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Read the back - it will tell you. or if your employee will re-issue you a new one might be easier to just do that
on the side isnt it spelt cheque?
or maybe thats the english way.
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01-26-2006, 08:50 AM #8Performing Magic in the Cloud
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Originally Posted by Jay Suds
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01-26-2006, 09:21 AM #9rogue element
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Originally Posted by BigBison
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01-26-2006, 04:49 PM #10Web Hosting Master
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Not sure of the laws in the US; however, in Canada, checks are not legal tender. Technically, even on the date they were written, the banks still don't legally have to accept them - believe it or not.
Checks written in Canada, are generally 2 years. However, keep in mind, that if this is from an employer they are legally obligated to pay you any monies owed - regardless of time frame. So if the check doesn't cash, call the old company and tell them.SuperWebHost.com, a Digitally Justified Company
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01-26-2006, 05:03 PM #11Web Hosting Master
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It can also depend on your bank's policies and how nice you are to the teller.
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01-26-2006, 06:15 PM #12Disabled
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I've cashed checks even after they expired ("Only valid within 90 days") etc. I think a lot of laws override that kind of stuff and I think a lot of banks just don't care. Most banking is automated now and things like expiration and post-dating doesn't even work anymore.
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01-26-2006, 08:34 PM #13Managed Hosting Expert
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Usually 6 months however some business cheques are 60 days.
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01-26-2006, 08:36 PM #14Retired Moderator
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Checks are usually considered "stale-dated" after 6 months from the date on the check, unless there is text on there that says something like "Must be cashed within 90 days of issue".
You can try taking it to your bank; they may cash it or they may tell you to get the check reissued.<?php echo "Signature here"; ?>
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01-26-2006, 08:40 PM #15Web Hosting Master
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why do you say checks? the correct spelling is cheque.
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01-26-2006, 08:48 PM #16Web Hosting Master
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Americans spell it 'Check' I believe.
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01-26-2006, 09:54 PM #17rogue element
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Actually, we spell it check unless we're talking about travelers' cheques. American Express Travelers' Cheques -- "don't leave home without them" -- use the anglicized spelling instead of the americanized as it's more recognizable globally.
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01-26-2006, 10:56 PM #18Web Hosting Master
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Even then they use the word check.
Originally Posted by BigBison
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01-26-2006, 11:09 PM #19rogue element
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Ah, have they changed that since I last used one, in 1998?
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01-26-2006, 11:52 PM #20Web Hosting Master
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Originally Posted by ServerChange
Jay Sudowski // Handy Networks LLC // Co-Founder & CTO
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