There is nothing in UK law that says a cheque has an expiry date. However, most banks will only accept cheques that are less than six months old. But there are many reasons why you might not be able to. You might misplace the cheque, for instance. Or personal circumstances might make it impossible for you to get to a bank.
And, of course, some people simply forget to pay in cheques. Your best option is to contact the business or the person who gave you the cheque in the first place.
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The information on this site does not modify any insurance policy terms in any way. On the flip side, a several-months-old personal check may fall off the issuer's radar. Practically all checking accounts have zero interest, meaning most people only keep just enough in the account to pay the bills. As a result, when the forgotten check resurfaces without warning, there may not be enough funds in the account to cover it.
This is why it is always best to contact the issuer before attempting to cash a stale check. Making the call may be awkward, but accidentally slapping your grandma with a hefty overdraft fee is worse. Ask for a new check if the old one is past the six-month mark.
Do personal checks expire more quickly than company-printed checks? Actually, there is no technical difference between these two types of checks, but the risk of triggering fees is slightly higher with personal checks, as companies are less likely to carry bare-bones balances. Some checks come printed with text stating that a check becomes void after 90 days. This can be safely disregarded as a ploy to nudge people not to hold a check for too long. The six-month rule applies regardless of what is printed on the check.
Checks issued by the U. Treasury are good for one year. Make sure to cash your federal tax refund check no later than a year to the date it was issued. You can request a new check from state and federal agencies. If you lose your state tax refund or a local government check, you'll have to contact the agency that sent it to you. State and local governments may have their own expiration dates. A money order issuer may charge fees on the order if enough time passes. Check with your issuer for guidelines.
And if you fear that a check you have written has been lost or stolen, you should move promptly to cancel the check with your bank. In the end, even if banks are only legitimately needed to honor cheque validity for 6 months, you should make it a point to deposit checks as you receive them, so as to avoid any possible issues.
It is because the cheque expiry date is not in 6 months but actually the cheque expiry date is still 6 years. Are you a Victim of a bounced or dishonoured cheque? Share this post:. Please leave blank:. Email address:. I have read your privacy policy and consent to my name and comment being published on your site.
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