How Long Is an Uncashed Personal Check Valid?


Quick Answer

Most checks are not subject to a predetermined expiration date, but the Universal Commercial Code gives banks the option to refuse checks that were written more than 6 months before they were presented, according to Bankrate and Banking Questions. Some checks might feature an expiration date printed on the paper, but banks are not obligated to abide by those validity statements.

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Full Answer

If someone deposits an old check and the sender does not have sufficient funds to cover the check amount, the recipient might be charged a returned-item fee, as reported by Bankrate. It can be risky to cash an old check, so experts advise consumers to contact the person or company who wrote the check to ask if it will be honored or to request a new check.

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