How long do I have to cash a check?


Quick Answer

According to the Uniform Commercial Code, a United States bank is not legally required to deposit or cash a check that is more than six months old. The Code notes that the bank may choose to pay the check after six months in good faith to the account holder.

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Full Answer

The Uniform Commercial Code states that certified checks are not subject to the six-month rule. Forbes reports that account holders should check with the bank before assuming an old check is not valid. An account holder can also request a stop payment for a check that has not been cashed or deposited, notes Wells Fargo. The account holder may be charged by the bank for this service.

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