It seems that the length of time before a check expires depends on the state and the bank:. Discussions about personal check expiration dates inevitably spiral into debates about the nuances of loan ethics. But you asked specifically about Bank of America. I did not find anything on their web site mentioning how long their checks remain valid. But I did find a blog post that answers your question. The author of the blog post asked a Bank of America representative about a personal check his wife had written to someone a year earlier.
I just got off the phone with their support. They said it was good for 2 months. Sign up to join this community. The best answers are voted up and rise to the top. Home Questions Tags Users Unanswered. How long are checks issued by Bank of America valid? Ask Question. Asked 5 years, 5 months ago. Active 2 years, 1 month ago. Viewed 40k times. Chris W. Rea 30k 15 15 gold badges 93 93 silver badges bronze badges. Franck Dernoncourt Franck Dernoncourt 5, 4 4 gold badges 27 27 silver badges 59 59 bronze badges.
Active Oldest Votes. It seems that the length of time before a check expires depends on the state and the bank: Discussions about personal check expiration dates inevitably spiral into debates about the nuances of loan ethics.A check is generally considered stale dated if it was written more than six months prior to being presented to a bank or other financial institution.
At this time, most banks have the option of refusing to deposit or cash the check, according to LegalMatch. While banks in some states must consult the writer of the stale check before depositing or cashing it, checks never technically expire unless the person writing the check makes a note that it is only valid until a certain date.
According to LegalMatch, certified checks are backed by financial institutions and may be processed at any time as they never go stale. Todd Duvall of OpposingViews adds that a bank worker who accepts a stale-dated check may not have noticed the date.
The bank may also opt to put a hold on the funds until the check clears to ensure the writer of the check still has the necessary funds in his bank account. Those in possession of a stale-dated personal check may wish to contact the owner of the account to receive an updated check rather than try to process the stale one.
Many checks from larger businesses and government agencies must be processed within 90 or days, or they become void. These validity dates are normally written on the checks themselves. What Is the Definition of a Dishonored Check?A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile.
The algorithm parameters are: users' rating, number of resolved issues, number of company's responses etc. The algorithm is subject to change in future. Just for you folks out there, if any of you are interestedthey did close out my account with no further communication.
They just cut me right off. And to add insult to injury there was still a positive balance which they withdrew and secreted away somewhere. When I phoned them up and asked what happened to that, they would not talk to me because the account no longer existed!! I had knowingly left that money in there to pay off what I owed on my BOA Merchant Account, so when the latter tried to pull the balance that I owed, it got thrown back and I got an email saying "we have been unable to bill for your merchant services".
I replied saying "not my fault people, ask your BOA colleagues where my balance is, because I can't locate it - maybe you can? If you can find it, you can take what I owe you". Needless to say no reply to this, except for a further demand on 1st August. Yesterday I spent one and a half hours on the phone trying to settle this, and got pretty much nowhere, because after talking to 3 different departments they tried to re-direct me to collections, but they had closed for the day!
And BTW, they tell me that they have snail mailed me a check for the balance I had left!
In the meantime I opened new accounts with Wells Fargo - needless to say after all their bad press lately they welcomed me with open arms, and so far I have to say compared to BOA it's like chalk and cheese. You can't get help or assistance from the incompetent people working for them, from the bottom to the top. This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ. I have been calling Bank of America for years trying to get this straight I caught eternal general trying to get this straight the police the sheriff's department everybody has began in all this money with Bank of America all these kickback it's why the consumers not getting paid they stole all my money and my house naughty act like I never existed said there's no paperwork.
User's recommendation: Do not use Bank of America black folks extreme to stay away from they are prejudiced will not answer call and call yourself losing all paperwork told me I never did on the house and I have I have all paperwork. They should be reporting these calls to the FBI, and should have some concern that the scammers are using them to scam people.
User's recommendation: Fine another CC company before you have to go through this and waste your time.Q: I noticed in your reply last week to C.
Is there no longer a limit for stale dated checks? I used to work as a teller in a couple of states where it was indeed true that after six months, the check was no longer valid and would need to be reissued. A: There is no federal banking law about stale checks that indicates checks with certain dates aren't good. Banks won't necessarily reject any check because of the date on it.
It's a myth that banks won't accept checks more than six months old or that carry a future date. This is why post-dating a check protects you from exactly nothing.
Banks accept or decline checks based on whether they think the check is good. You could show up at your bank to deposit a check dated yesterday. But if the amount had been scratched out and corrected, or if was made out to Jacob Smith and your name is Kyle Smith and your middle name isn't Jacobthe bank may not accept it.
Now, if you show up to deposit a check that's five years old, it's likely the bank won't accept it. Ditto if it's dated three years into the future. But it depends on the mood of the teller and whether he or she even catches it. Each bank could have its own policy on dates; you should ask your bank if you're interested. He was mad at his bank, but it was the Boy Scouts' bank that accepted the check to begin with and then sent it to this guy's bank for payment.
Of course his own bank would allow it to post to his account. Q: I have bad credit due to a previous divorce. My ex-wife cleared all debts with a bankruptcy.
When Is a Check Considered Stale Dated?
Recently, my girlfriend added me as an authorized user on her credit card from Chase bank but the card was mailed to her and they never asked her for my Social Security number, date of birth, etc.
The question: How will credit bureaus know about my payments on the credit card from Chase if they don't know anything about me? A: Oh, silly George. You think the credit bureaus can't find you if they don't have your Social Security number or date of birth?
They sure can. If Chase is reporting you as an authorized user, it will get onto your credit report.Exhibit TO THE. Instrument of Amendment. Statement of Purpose. The provisions of the Plan are currently set forth in an instrument of the Company dated November 24,which amended and restated the Plan effective January 1,and five subsequent amendments thereto. The Company has reserved the right in Section 4. By this Instrument, the Company is further amending the Plan to reflect the treatment of distributions that remain outstanding for long periods of time.
The Plans are maintained primarily for the benefit of a select group of management or highly compensated employees. Each of the Plans makes payment of certain benefits thereunder in cash by check or by direct deposit. If the issuance is in the form of check, the check generally remains outstanding until the applicable payee e. This Stale Check Policy shall only apply to those Plans that specifically adopt the policy through amendment of the applicable Plan.
The provisions of this Stale Check Policy apply to the Plans except to the extent that a specific provision of a Plan expressly provides otherwise or makes the application of this Stale Check Policy not feasible, as determined by the Global HR Group in its sole discretion.
Plan Terms. The benefit payable to the Payee shall continue to be maintained as an outstanding distribution until the earlier of i the date the Payee entitled to the benefit negotiates the outstanding check, or ii any reasonable date determined in the sole discretion of Global HR Group generally, prior to the time such benefit would otherwise escheat under any applicable lawprovided that, in all events, such date shall be no earlier than 18 months after such distribution is processed.
Should the Payee, or any authorized representative of such Payee, subsequently make application for benefits, the amount so forfeited shall be paid to the Payee net of any prior tax withholdingsprovided that if there is a dispute regarding eligibility or benefits either form or amount or bothsuch disputed payments will be made only if it is established to the Global HR Group in their sole discretion that the amounts were in fact due to such Payee.
Global HR Group. The Global HR Group may adopt such rules and regulations for the administration of this Stale Check Policy as are consistent with the terms hereof and shall keep adequate records of its proceedings and acts.
All interpretations and decisions made both as to law and fact and other action taken by the Global HR Group with respect to the Stale Check Policy shall be conclusive and binding upon all parties having or claiming to have an interest under any plan subject to the Stale Check Policy.
The Global HR Group may delegate any of its duties and powers hereunder to the extent permitted by applicable law. Amendment and Termination. Subject to the requirements of applicable law, the Global HR Group shall have the right and power at any time and from time to time to amend this Stale Check Policy in whole or in part, including, without limitation, the list of plans covered hereby, and at any time to terminate this Stale Check Policy.
Except as expressly or by necessary implication amended hereby, the Plan shall continue in full force and effect. Richard J. Global Head of Compensation and Benefits.New here?
You may want updates via email or RSS feed. Thanks for visiting! While running errands this afternoon, I stopped by the bank to deposit a check. All of the tellers were occupied with difficult clients. I'm old-fashioned and go inside to make deposits for my business finances. While I waited, I eavesdropped on the nearest conversation.
A woman was frustrated because she'd just opened a checking account a few weeks ago, and now it was overdrawn. She couldn't understand. The teller was very patient and very polite. She tried to help the woman figure out where the problem was. Together they went through the woman's checkbook register and compared it to the bank's computer. I've already used that money for something else.
In my younger days, I had similar experiences though never with checks that were just a few weeks old.
I'd write a check, and it would remain un-deposited for several months. What a dilemma! Should I use the money to buy comic books? Or should I keep it in my account in case the check actually goes through? Because I toed the line so close to zero, the answer was important.
In my case, every check was eventually deposited and funds withdrawn from my account. This hurt me twice because I, too, had added the money back into my checkbook. Dumb but true. When I got home today, I looked up the actual law on stale checks. It turns out that a bank can pay or return an old check as it sees fit. According to the United States Uniform Commerical Codea bank is not obliged to pay a check more than six months old.
Here's the full text of the guideline:. A bank is under no obligation to a customer having a checking account to pay a check, other than a certified check, which is presented more than six months after its date, but it may charge its customer's account for a payment made thereafter in good faith. In other words: the bank isn't required to pay a check more than six months old. But it can if it wants.Just over a year ago, my wife wrote a small check for an end-of-the-year school function of some sort.
The check was made out to the school, but it was collected by another mom. A month or so later, I noticed that it still had not cleared the bank. Banking Deal : Earn 1. At the time, I assumed that it had just gotten lost in the shuffle and that it would eventually re-surface, perhaps when school started again in August.
And ever since then, this seven dollar check has been hanging out in MoneyDance waiting to be reconciled. Over the weekend, I decided to ask the bank how best to handle this. Nonetheless, I wanted to check with the bank before completely forgetting about it. I explained the issue and this was his answer:. His reply:. In fact, under the Uniform Commercial Code, banks in the United States are not legally obligated to pay checks older than six months link. Of course, this leaves some wiggle room.
Your bank may not be required to honor an old check, but they might choose to do so. You would thus be well-advised to check with your bank before ignoring an old check in your register. For the record, I would happily write a new check if I could figure out who to pay.
Essential things to know when cashing old checks
Unfortunately, the school was just a pass-through entity in this case, and the money was ultimately destined for someone in the classroom.
Thus, we have no idea who we owe. What if the check is from bank of america… Bofa issued a check to me and i just noticed the check in a stack of papers… it was issued Jan however theres no mention of when the check expires… do i just go into bofa and ask for a new check?
Well, my problem: In Jan. As a result I am being bombarded by all these overdraft fees and the bank refuses to do anything.
How to Cash Two-Year-Old Checks
Can anyone offer some advice as to how to proceed. I called the bank once about a stop payment and they told me the Stop payment expires too. So you could pay a fee, stop payment, and then the stop payment period runs out and you could still see a check resurface and get cashed after the stop payment time.
What happens if somebody cashes a bill pay check after 90 days? Does the back re-deduct the money from your account? Self-destructing checks? Well long story short that check was from It was back when i was able to save a check or two and i did not balance my check book.
But i did deposit some cash yesterday and that check, i didnt bother going into with the bank teller because the line was long and i had an appointment for my son to get to. I checked if it had expiration date but it did not. Another thing would be i dont remember if i had deposited that check before through my phone. I called my previous employer left a message and called again to see if they can find out but have not gotten a call back so i deposit it.
Im not touching that money if does go through just incase. But im not sure what will happen. Client would not return emails or calls or voice mails or answer the door. She did not want to pay me. Never came back to bite me. I also had a chat with Bank of America on this matter. It is true that if the check belongs to Bank of America and if someone tries to cash it in Bank of America 6 months after its date then Bank of America will reject it. BUT if the person whom you give this check has an account with some other bank which has policy to accept checks after 6 months also, then Bank of America will not stop them.