how long can someone hold a check before they have to cash it?

i wrote out a check to someone over two months ago and i'm tired of waiting for them to cash it. is there any kind of time limit? it seems like companies always write on thier checks, "void after 90 days," or something like that. how can i get this written on my checks? its not fair that companies can do that but they can hold my check seemingly forever.

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  • 1 decade ago
    Favorite Answer

    Hi, You can try to contact them and ask them why it hasen't been cashed yet, you can always stop payment on the check if it is not cashed in a reasonable amout of time but there is a fee for doing that from you bank. It is frustrating because sometimes you can use that money for other things! keep calling them and asking them why it has not been cashed and tell them you will stop payment if it is not cashed in the amount of time you state! Good luck.

    Source(s): personal experience
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  • PatV
    Lv 6
    1 decade ago

    It used to be a year - I think it matters whether it's a personal check or business check.

    You should balance your checkbook, taking out the amount as if it was cashed already. This way whenever they do take it to the bank, your check won't bounce. Stop worrying about the check. If they haven't cashed it after a year, you might ask your bank about the limit of time. It costs about $15 to stop payment on a written check - not worth the fee in this case.

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  • 4 years ago

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  • ed
    Lv 7
    1 decade ago

    Have you considered contacting the payee?

    It may be lost, although, if it was payment on account, they would have contacted you.

    If it was for a "cash like" purchase or service, it may be clearly lost and the payee may have no way of knowing from where their shortage has occurred.

    This would be a matter for your conscience.

    I would suggest that you not spend that amount in your "account balance". The check may be deposited at any time. If you decide to stop payment or it bounces, be cautious, it would become a "prosecutable hot check", if a payment for goods or services.

    If it was a payment on account, it cannot be a "hot check", but you would be obligated to replace it. Those become only a promissory note. DA will not take those.

    Source(s): Business experience, 50 yrs..
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  • Anonymous
    5 years ago

    This Site Might Help You.

    RE:

    how long can someone hold a check before they have to cash it?

    i wrote out a check to someone over two months ago and i'm tired of waiting for them to cash it. is there any kind of time limit? it seems like companies always write on thier checks, "void after 90 days," or something like that. how can i get this written on my checks? its not fair...

    Source(s): long hold check cash it: https://tr.im/1Zipt
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  • 1 decade ago

    What is "not fair" about it? And the fact that it is written on the check does not make it law, with the exception of treasury checks. Treasury checks are good for one year by Federal law.

    Companies put that on their checks to make thier accounting run smoother. It certainly doesn't erase their obligation to payee after 90 days. It just means they don't want a lot of old outstanding checks on the books.

    You wrote a check. You deducted the amount from your checkbook. What exactly is bothering you so much about the fact that they have not cashed it yet? If they want to hold on to your check, what concern is it of yours? It's their obligation to deposit the check and your banks obligation to pay the check. It is out of your hands at this point.

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  • 1 decade ago

    Checks usually expire after 1 year. However, out of consideration for the writer of the check and their records, I would cash them as soon as possible [I agree with your frustrations]. You can always put a stop payment on it, but that comes with a fee.

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  • It vary bank by bank.for my bank it a year.some places cash checks every 6 months or 2 months it all depends on there store policy.My sis wrote a check and they never cashed it,she got what she paid for but they never cash the check.

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  • 1 decade ago

    The bank I use to work for said 60 day for personal checks. Business checks are allowed up to 90 days.

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  • 1 decade ago

    Check with your bank and see what they say. Otherwise tell the person you will put a stop payment on it if they don't cash it...

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