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Home >> Checks/Money Orders
Presenting NSF Check Again
If a check is presented for payment and it comes back NSF, how long do you have to present it again?
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 Checks generally become "stale" after six months from the date of the check. That doesn't mean it won't be paid by the bank, but it could be refused because it is old.
Estimate when you believe the person will have funds in the account. This return could be because a deposit that was made is on hold, because a check they deposited bounced, or just an accounting error. If this is someone who gets regular deposits, such as a person who gets direct deposit, then you want your check to be presented the same day this happens. Deposits are posted before debits in most banks.
You also have two other alternatives. You can call the bank and ask if the check will clear. You'll need information off the check to do this. Not all banks will take the time to tell you, but you won't know unless you call, or you can go to your bank and ask that this check be sent for collection. That means your bank sends it off and the other bank checks daily to see if this will pay. They do that for up to a month. You may have to pay a fee for this service, but at least you can get the check paid.
You can also call the person who wrote the check and tell them you want a cashier's check or cash to replace this hot check. If they refuse, see if your county attorney can help you.
Published on BankingQuestions.com 7/09/08
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