The validity of government checks often varies from state to state. As a rule, it ranges from 6 months to a year.
How long is a check good for?
More and more people are wondering if checks have an expiration date, and the answer is yes, but it varies depending on the type of check. Personal and business checks are good for 6 months, however some banks also accept older checks. However, why 6 months?
Surely you know about the existence of the Uniform Commercial Code (UCC). It is this Code that informs banks that they are not required to accept those personal or business checks that are older than 6 months. Thus, according to the law, your check after 6 months is considered expired.
However, if you find an old check that you have not cashed, you should call the bank and discuss their policies.
How long are different types of checks good for?
As already mentioned, different types of checks have different validity periods, since there are no specific laws for all checks. Despite the fact that checks are often valid for 6 months, there are exceptions.
How long are U.S. treasury checks good for?
In accordance with the law, Treasury checks are valid for one year after the date indicated on the check. You should also note that federal tax refund checks are valid for one year.
If the check has expired, you still have the right to receive the money owed to you by the state. However, in order to do this, you will have to request a new check.
How long is a Personal Check food for?
Most people are interested in the expiration date of personal checks. So, personal checks, payroll checks and business checks are valid for 180 days (6 months). However, after receiving the check, it is recommended that you cash it as soon as possible.
When do cashier’s checks expire?
Cash checks do not have a specific expiration date. While some say that such a check is valid for up to 180 days, others argue that it has no expiration date. In theory, these checks should be valid while the bank is working. However, please note that some banks indicate check expiration on the checks themselves.
If you find an expired check, it can be difficult to get a new one. In order to do this, contact the bank that issued it out and ask what can be done.
How long are traveler’s checks good for?
This type of check has no expiration date, so you can cash it in the bank that issued the check or spend at home. This way, if the bank that issued the check exists, you can cash it out.
How long are state and local government checks good for?
State and local government checks will expire in accordance with state law. As such, the term will vary from state to state. However, often the validity of such checks varies from 6 months to one year. Note that if you have an expired state tax refund check, you must also contact the state and request a new check in order to receive the money. If you received a check from a government agency, then read the information about it and you can find the date when it expires. It is highly recommended that such checks be cashed before the expiration date.
When do money orders expire?
Money transfers often do not have an expiration date, but sometimes it can be influenced by state laws and regulations of the issuer. In order to find out the expiration date of a check, it is recommended to contact the issuer and find out if your check has an expiration date and whether it charges a fee for old money orders.
So, as you can see, the expiration date of a check can be different: while some checks are valid from six months to a year, others do not have an expiration date. Pay attention to the issuer and the laws of your state.