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How long is a check last? Do they expire? The Atlantic Check Cashing Store, which provides the best check cashing facility in the United States, is here to your complete information on different check expiration periods.
The tenure of a check varies depending upon the type of checks. Personal checks last for six months (180 days) but, business checks, government checks, the U.S. Treasury checks, and many more are different.
How Long Are Checks Good For?
According to the Uniform Commercial Code (UCC), checks are usually good for six months. After that, any financial institution will be under no obligation to accept personal or business checks which had been older than 180 days (six months). However, some banks accept old checks.
If the financial institution has a good reason to believe the check funds are still good, then they are more likely to cash the check, even if it’s old. It depends on your relationship with that financial organization or the one who wrote that check.
How Long Are Personal Checks Good For?
Personal checks are the most flexible type of check to cash as you are more likely to know the issuer personally. It means, if you have forgotten to cash the check for more than a year, you can contact the person who wrote the check.
But this will be only possible depending upon the relationship you have with the check writer. Personal checks usually are good for six months (180 days).
How Long Are Business Checks Good For?
Business checks may include checks from an individual to a company, but often, they are from the company.
A business’s checking account is the account tied to most business checks. They might use these checks to pay vendors or employees. This check type is there to become void after 90 to 180 days.
How Long Are Payroll Checks Good For?
Payroll checks are the checks written to you from the company you work. Most businesses set up their payroll checks to expire after 90 to 180 days.
How Long Are U.S. Treasury Checks Good For?
The U.S. Treasury checks are any checks like your tax refund which, has been given to you from the U.S. treasury. These checks have a 1-year due date to be deposited by the check receiver.
If you forget to deposit a check for longer than a year, you’ll need to make a request with the IRS for a new one.
How Long Are Traveler’s Checks Good For?
Traveler’s checks do not expire. If you have any old traveler’s checks, you can cash them with the issuer or spend them as you like. If the issuing bank is still in existence, then the traveler’s checks are still valid.
How Long Are Money Orders Good For?
Money orders are a type of prepaid check option. Being prepaid by the issuer, they don’t expire. But cashing out a money order too long after receiving it can cost you money order fees.
Handling old checks can be a hassle, and it is better to avoid dealing with them. Are you looking for a check cashing near me? Then contact Atlantic Check Cashing Store to get the best facilities with zero hassle. Contact them through their website now!
