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Home >> Checks/Money Orders >> Checks You Received
Options for Dealing with Old Check
Yesterday I re-discovered a check for over $3,000 dated March 14, 2009 that says "void after 180 days", so it is just barely past this limit. What should I do? I can think of three options:
--Try to deposit it and see what happens? Will my bank branch (in Missouri) accept it?
If my bank does, is the issuing bank (same bank, Georgia branch) likely to reject it? Will there be a charge to me if rejected?
--Write to the issuer (a big corporate) and ask for a new check? Do they have any grounds to write back and say "sorry" and deny funds owed to me?
--Write to the issuer and claim that I never received the check and ask for a new one? This doesn't seem ethical and one I am reluctant to try.
--Any other course of action you can recommend?
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 If the check has a "void after 180 days" legend, there is a real chance that the paying bank will refuse payment. If that happens, it's possible that your bank would impose a fee for processing the returned deposited check. It's also possible, if you've withdrawn any of the funds before the check is charged back, that you'd incur overdraft fees.
By far the best of the three options is to contact the issuer and ask for a replacement check, agreeing to return the one you've got now. If the issuer realizes that, because you haven't cashed the first check, it still owes you the funds, you should not meet resistance, but be sure that you deposit the new check as soon as you get it, lest it get misplaced like the first one.
Published on BankingQuestions.com 10/19/09
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