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

How long is a check valid?

Personal checks are typically valid for 6 months (180 days) from the date written on the check, but this varies by check type and financial institution.

The validity period depends on the type of check:

Personal checks

Generally valid for 6 months (180 days) from the date written

U.S. Treasury checks

Valid for one year from the issue date

State and local government checks

Usually valid for 6 months to one year, depending on the state

Cashier's checks

May be valid from 90 days to indefinitely, depending on the issuing bank

After a check has passed its validity period, banks may refuse to honor it. The recipient would need to contact you for a replacement check. Some banks may still process older checks at their discretion, but it's not guaranteed.

Always verify your bank's specific policies regarding check validity periods.

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