I have a check that is over 180 days old.

I have a check that is over 180 days old. Can I still cash it?
Lynette asked this question 3 years ago
  • 1706 answers • 88% helpful

    This expert is helping you out because there weren’t many active Bank of America experts.

    The general rule of thumb is that it's valid for 6 months.
    But sometimes, the banks don't have time to watch dates that closely, & they'll just run it through without noticing. I would be afraid the bank would return it & charge a fee. I'd call & find out the rule on fees. Then if I decided to risk it, I wouldn't present it to a window teller & wouldn't call it to their attention. If possible, I'd run it through with some other checks at the bank's ATM.

    Otherwise, Contact the person or company who issued the expired check. Explain the situation and ask her to issue you a new check. You may be asked to return the original check, if she agrees to oblige you.
  • Bank of America • 96 answers • 75% helpful

    It will honestly depend on the dollar amount. Typically a check is only good for 180 days however the managers can make an exception based off of your banking history and chose to accept it. Chances are if its anything over $100 you will probably have to refer back to the maker of the check to have them issue you a new one.
  • Bank of America • 2146 answers • 92% helpful

    You sure can, but it is not recommended.
    Most checks from big companies will get put onto stop payment if it doesnt get cash out by a certain time period. Even if you get the check cash at your branch, it can still come back as a bounce check. I would not try to negotiate a stale business check. Chances are, the business know that this check is still outstanding and are going to expect a call from you.

    If it is a personal check that you are trying to cash, talk to the manager about an exception. If the amount is less than 20, it will be easier for them to make an exception.

    The safest thing to do is to get the check reissue.
    I have seen tellers deposit stale checks, and the amount varied due to situation and who the manager was.

    Let me know if you have further questions.
    1 comment
    • Bank of America • 2146 answers • 92% helpful

      Just remember a return item does cost $35! If the item does get return, you are at risk for another $35 overdraft fee.
  • Bank of America • 250 answers • 90% helpful


    Typically checks are good for 180 days before they are considered stale dated unless otherwise stated on the check itself. I would suggest to take it to the issuing bank first and cash it there. If they are willing to cash it, great, you are all set. If they deny the transaction, you can find out if there is a stop payment on the check. If there is not a stop payment, try to take it to your bank and deposit. If you go inside and a teller notices the date and won't accept it, take it outside to the ATM and deposit it. I would watch the account to ensure that it check is not returned, I would wait about 5-7 business days.

    To avoid all of this, you can cal the issuer of the check and have them give you a replacement check to deposit.

    Hope that helps!
  • Bank of America • 966 answers • 78% helpful

    You can probably cash your check if you have good terms with branch manager and you can make a request, mostly they can help you out if they found that there is no discrepancy then they can surely cash.