Check Writing FAQ

Answers to common questions about writing and handling checks

What do I do if I make a mistake while writing a check?Is it safe to mail a check?How long is a check valid?What's the difference between a cashier's check and a personal check?Do checks expire?Can I postdate a check?What information should I never write on a check?How can I track if a check has been cashed?Check Writing Guide

Do checks expire?

Yes, checks can expire, though the term "expire" is somewhat informal in this context. The Uniform Commercial Code (UCC), which governs financial transactions in the U.S., states that banks are not obligated to cash or deposit checks that are more than 6 months (180 days) old.

However, there are several exceptions and considerations to be aware of:

  • Bank discretion

    Banks may choose to honor older checks at their discretion

  • Explicit expiration dates

    Some checks have explicit expiration dates printed on them

  • Government-issued checks

    Government-issued checks often have different expiration periods (typically one year)

  • State regulations

    Some states have different regulations regarding check validity periods

If you have an old check that you haven't cashed:

  1. 1
    Contact the issuing bank

    Ask about their specific policy on cashing older checks

  2. 2
    Request a replacement

    Consider asking the check writer for a replacement check

  3. 3
    Be aware of potential fees

    Attempting to deposit a very old check could result in fees if it's rejected

If you wrote a check that hasn't been cashed for over 6 months, you may want to contact the recipient to resolve the situation, as the uncashed check represents an outstanding liability on your account.

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