The length of validity on a escrow refund check will depend on who issued it. If it's a check issued by a bank, it would ordinarily not have an expiration date. It would be valid until the bank had to surrender the funds to the state under abandoned property laws, even then the payee could reclaim the funds. If it's a check drawn by a mortgage company or other non-bank, unless there is a notice of a shorter expiration on the check, it should be cashed within six months of its issue date. After that, the check could be refused for payment.
Published on BankingQuestions.com 4/13/09