How Long Can You Keep Personal Checks Without Cashing

Checks are a great way to make payments, they are inexpensive, safe, and it is easy to write a check. However, after a certain period, checks will go stale if you do not cash them out. Most checks remain good for about six months, but it usually varies depending on the type of check. When it comes to a Personal Checks, they usually remain good for about six months. And after six months, the check becomes stale-dated meaning that it will depend upon the bank whether you can cash it out or whether it will be rejected. 

How Long Does A Personal Check Remain Valid? 

In most scenarios, checks are good for about six months, and it usually includes personal, business, and payroll checks. But there can be exceptions in some situations and the institution will allow the check to be cashed out even after the six months. In some checks, it is written “void after 90 days”, but most institutions honor the six months (180 days). So, if you receive a check it is best to cash out as soon as possible because if you hold on to the check you might end up losing it or end up paying returned check fees. 

Why Should You Cash A Check As Soon As You Get It? 

If you receive a check it is best to cash it out or deposit it as soon as you get it. If you are in need of money, the sooner you cash it out you will have funds in your account. You should also consider cashing it out as soon as possible, as the account that you got the check from may have closed or may also have an insufficient balance. To avoid running into these issues, you should consider cashing out the check as soon as possible. 

Can One Still Cash A Check After The Void Date?

It is not guaranteed that you can cash a check after the void date, but some institutions will allow you to cash out the check even after the void date. It is not stated that the check will go stale after 90 days, but some checks have written void on it. If you are writing a check to someone with “Void after 90 days” written on it, you should note that it can still be cashed out after 90 days. Likewise, you can also do the same. 

What To Do If A Check Becomes Stale? 

If you have a check that has gone stale, you can still try to cash it out, but it is not guaranteed that you will be able to cash it out after it becomes stale. You can also contact the check payor and have them write a new check if it has gone stale and the bank rejects it. One can always check cash as it cannot be voided unless you do so, but once it becomes stale, it can be difficult to get your amount. 

What To Do If You Have Written A Check And It Goes Uncashed? 

Sometimes when you write a check it can go uncashed for a long period, during these situations, the best option would be to contact them and make sure that the check has not been stolen or lost. And if the check has been lost or stolen, place a stop payment on the check and give the payee another check. In situations when you cannot contact the payee, the best option will be to contact the bank and make sure that they will not honor a check that is older than six months, then place a stop payment on the check. 

If you have received a check, you should try to cash it out as soon as possible to avoid any issues. 

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