Can You Cash a 2-Year-Old Check? Here’s What Banks Say

Key Highlights

• In most cases, a check that is older than six months is seen as stale. Banks may not take it.
• There are no federal laws that state when a check runs out. The Uniform Commercial Code (UCC) has rules that many states agree with.
• Banks can create their own rules for older checks.
• It is a good idea to ask your bank about their rules for dealing with old checks.
• If you have an old check, you might need to ask for a new one from the person who wrote it.

Introduction

Have you ever found an old check in a drawer? You might wonder if it’s still valid or if it has run out. There are no federal rules on when a check is no longer good, but most banks use the guidelines from the Uniform Commercial Code (UCC). Understanding these rules can help you know what to do next.

Understanding Check Expiration

Checks do not have clear end dates like credit cards. But they do have a limit. A “stale check” is one that has passed its normal time to be okay. So, when does a check become stale and might be rejected by banks?

The answer can vary. A check is considered stale if it is over six months old. This six-month rule comes from rules that many states follow. These rules impact how banks handle old checks.

The Standard Lifespan of a Check in the U.S.

The UCC has basic rules for check transactions. It does not require a check to expire on a specific date. Instead, it says a check should be presented within a “reasonable time.” Most banks believe this means six months from the date it was written.

However, there are some cases that are different. Some checks, like those from the government or insurance, may be good for a long time. Since the rules about how long they last vary from state to state and bank to bank, it is a good idea to check with your bank or the issuer.

How Banks Handle Old Checks

Banking places do not have to cash checks that are more than six months old. They might refuse an old check because they worry about not having enough money or scams.

If a bank chooses to take an old check, but there isn’t enough money in the account, the check could bounce. This can cause extra fees for both the person getting the money and the one who wrote the check. To avoid issues, it is smart to talk to the person who wrote the check. Make sure it is okay before trying to cash it.

Steps to Cash an Old Check

Cashing an old check can be simple if you prepare well. Here are the main steps to follow:

Step 1: Gather Essential Documents

Before visiting a bank, ensure you have:

• Photo ID (Driver’s license, state ID, or passport)
• The Check (Make sure it is complete and not damaged)
• Bank Information (If you are putting money in a different bank, be prepared to share details)

Step 2: Verify the Check’s Validity

Before you try to cash the check, talk to the person who gave it to you to make sure:

• The check is still fine.
• There is enough cash in the account.
• There are no stop-payment requests on the check.

This step helps prevent issues like bounced checks and delays when processing.

Step 3: Speak with Your Bank About Their Rules for Old Checks.

Each bank has its own rules for old checks. Before you visit the bank, call them to see what you need to know. This should include any fees for cashing a check that is older.

Common check cashing options include:

Conclusion

The age of a check can change if it can be cashed. Some banks might still accept old checks based on their rules. Always ask the bank about funds and talk to the person who gave you the check to make it easier. If there are problems, asking for a new check from the person who wrote it is often the best choice. Knowing when checks run out can help you avoid money problems and manage payments better.

Frequently Asked Questions

Can a bank refuse to cash an old check?

Yes, banks can refuse to cash checks that are more than six months old. This can happen if there are not enough funds. It can also occur if there is a stop-payment order or if there are concerns about fraud.

What is a stale check? Does a bank have to refuse it?

A stale-dated check is a check that is older than six months. Banks often do not cash these checks. But, they can decide if they want to accept them.

What kind of protections exist for bank mistakes and check errors?

Under the Uniform Commercial Code (UCC), particularly Articles 3 and 4, banks should not allow the same payment to be processed two times. If there is an error, you can submit a written claim to your bank. This might lead to an investigation.

What should I do if my bank took a check that has already been cashed?

When you notice an error, you need to file a formal claim with your bank. Write down the dates and amounts related to the error. You can either deliver the claim in person or send it via certified mail. This ensures that the bank gets it and can start investigating the problem.

Is my bank the only one that should fix issues with cashing duplicate checks?

While your bank handles transactions, the bank where you put your money might also be involved. If there is a risk of fraud, both banks may team up to solve the issue and recover the money.

Written by FangWallet Editors Updated March 13, 2025 by Albert Fang