How Long Is a Check Good For? Legally, banks are not obligated to cash a check presented more than six months from the date of issue printed on the face of the check except for certified checks. Many banks will extend the expiration date as a courtesy to its account-holding customers under specific “good faith” policies. How Long Is a Check Good For – Personal Checks Most banks and savings and loans generally adhere to a 180-day expiration timeframe for cashing personal checks; some allow up to one year for business payroll checks. However, the issuing organization or bank may have a lesser timeframe policy. How Long Is a Check Good For -Business Checks Many business checks do have a time limit annotated on the check. Sometimes the time limit will appear as a watermark designed into the paper. Others will have a printed message on the check face. If the check has a printed expiration date, it is often located near the issue date or the signature line. Extending Check Expiration Dates in Good Faith Banks can accept a check older than 180 days, as long as they accept it in good faith that it is still valid. However, [...]
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