You can try to deposit it. Why would I do otherwise?? Description of deposit When funds can be withdrawn by cash or check Direct deposits The day we receive the deposit. Over time, he learned how to save and how to invest. semi related. as much as possible, i hate dealing with checks and would love everything to be electronic! Avoid check-cashing fees with Direct Deposit of your payroll, unemployment or government benefits and gain fast access to your money on payday. They might refer to it as stale-dated. Missing, Lost or Expired Checks It’s important to us that you receive your payments. A. The content at Get Rich Slowly has not been reviewed, approved, or endorsed by any entity mentioned at the site. We have bills to pay and other things to do with our money besides waiting for someone to take their time in taking the money we have given them out. There are two main reasons why you might not be able to deposit your check: The check has expired. I called my bank and they said it was their discretion to reject it or cash it. I requested a new checkbook register from the teller at my bank. Business, at least, can avoid this. It is not illegal for banks to cash post-dated checks. The six-month rule applies regardless of what is printed on the check. As mentioned before, the UCC is a guideline but is adopted for the most part by all the states with their own nuances. Just a couple of years ago I had a big argument with a… Read more ». While you can always try to cash a check after its “stale date,” the best possible solution is to contact the check payor and have them cut you a new check. I have a hard time understanding why you would wait months to cash a check. Re “Void after 90 days”-type wording on personal checks Hi, I’m another commercial lawyer weighing in here. Just smart money advice to help you reach your goals. They accept it but then never cash it. My husband had a situation similar to #31 (Michelle). I admit that I know nothing about the Uniform Commercial Code, and tried to be very careful when writing about it. We know some checks they have 90 days on it or a hundred and eighty days generally a bank will give you a day or two or three leeway after looking at your account but don’t count on it. The payor still owes the payee money, making the payment a liability. My husband eventually made an… Read more ». A money order is a certificate, usually issued by governments and banking institutions, that allows the stated payee to receive cash-on-demand. All of the tellers were occupied with difficult clients. Anyway, about 3 weeks after I seriously considered moving the money, the check came in. I paid him for the work he did up front. After 3 weeks, I ask nicely what’s going on (“don’t tell me it is sitting in your glove box, please!”). If an expiration date is not listed, the bank will treat it as "expired" once the check is six months old, although policies vary between banks. You can learn more about the standards we follow in producing accurate, unbiased content in our. He wants to help you master your money — and your life. (I don’t like to keep it in my checking because then I think it’s money to spend. Q. I found a personal check from 2011 that I never cashed. I rarely (3x a year, maybe) have a reason to go to the bank. . Here's the full text of the guideline: A bank is under no obligation to a customer having a checking account to pay a check, other than a certified check, which is presented more than six months after its date, but it may charge its customer's account for a payment made thereafter in good faith. ), and try to be reasonably patient. As for myself, if I’ve written a check — that gets entered into my register and the money is considered gone…I don’t care if someone takes YEARS to cash it. The IRS will issue you either a paper check or a debit card. He wrote a check out to his mom for about $7000 to pay her back for a loan he had with her. Ask for a new check if the old one is past the six-month mark. You are absolutely correct period after 6 months they do not have to cash the check. IE: Not valid after 90 days or something similar. If I write it in the register the money is gone. Look at the date on your paycheck to see if you found it soon enough to deposit it. Thanks for visiting! i didnt think anything else about it and it is 2011 and the check came up. Oh well, that’s what we get for using checks. Only waiting about a month for a check before assuming that it’s never going to be deposited? So, she had her $7000, but he still had his $7000, too! I save customers’ checks until the end of the month and then deposit them… Read more », First off, I work at a local credit union. By law, banks are only required to honor checks for up to six months. His knowledge comes from the school of hard knocks. Investopedia uses cookies to provide you with a great user experience. So in this case, keeping a register wouldn’t even matter, I’m getting penalized based on charges that won’t ever go… Read more ». I didn’t mean to imply that it was government-sponsored. It would be a good idea have that printed on your checks if it would protect you from overdraft charges when someone decides to cash your check after the turn of the next decade. Accessed Jan. 8, 2021. Traveler’s checks and domestic United States Postal Service (USPS) money orders do not expire. The UCC doesn’t specifically address what happens when you write things like “void after 90 days”(these phrases are called “restrictive legends”) on checks. One of the checks was written out to a company that I was working for at the time. This was over 5 years ago and nothing ever came of it. I'm here to help you master your money — and your life. I can never understand why people in the states pay for groceries or gas with checks. It's all too easy to misplace a check. (I'm old-fashioned and go inside to make deposits for my business finances.) Reissuing Expired Checks If there is a delay in payment from the time employment is severed, former employees sometimes will not deposit their … Here's the full text of the guideline: A bounced check is slang for a check that cannot be processed because the writer has insufficient funds. Today, he's managed to reach early retirement! The Friday night before I planned to go to the bank, he calls me in a panic. Did they think the babysitter was working for free? The teller was very patient and very polite. Through it was weird seeing it there every time I went to reconcile my account. A check is a written, dated, and signed instrument that contains an unconditional order directing a bank to pay a definite sum of money to a payee. When you finally come across it, your first instinct might be to cash it. Actually, a friend paid me $50 for a table I sold him. Cashier’s checks are backed by the issuing bank and, theoretically, should be valid for as long as the bank is in operation, but some banks will put expiration dates on the checks themselves. Accessed Jan. 8, 2021. The bank can also simply bounce the check without even trying to reach out, which means the depositor may get hit with a "deposit item returned" fee that can be up to $30 or more. Making a Deposit Whether making a deposit in person, by mail, or at an ATM, it is important to complete a deposit slip properly. Currently I only write 1 check a month. I work at a bank, and you’re 100% correct…banks do not have to accept checks more than 6 months old and usually don’t. He didn’t think to get contact information from me and we were in the process of moving so my mail was being forwarded. When I was in college (20 years ago!) Since I had entered it into Quicken when I wrote it my balance was always reflecting it. So I routinely hold checks until I have enough of them to warrant the 20 minute drive across town. I went to Chase to open a checking account (for a cool $200 coupon) and they gave me one book, but I don’t plan on using them. I’ve been on the other end of this, too. She turned to the teller next to her and asked “What is a checkbook register?” That is a real ‘sign of the times’. I guess I should have mentioned that I’m Canadian when I asked my question. By law, banks are only required to honor checks for up to six months. She cashed the check, but it never cleared through his account. Too bad the only store in our town likely to take a chicken is the farm supply, since they don’t take checks, they probably won’t take the chicken either. Because the recipient has not cashed the check, the payor still has the money in their account. Should I use the money to buy comic books? I have also tried to take a check that had a date one year old… Read more ». However, to me it shouldn’t be an issue – if the person recorded in the register and deducted it from the balance, then it’s accounted for. Checks are a generational thing, I work in a retail setting and it is mostly older people, 50+, who write checks. Traveler’s checks and domestic United States Postal Service money orders do not expire. . Legally, you can always cash a check because a check can never be voided. I worked bookkeeping at a small town bank. Dumb but true. Because I toed the line so close to zero, the answer was important. What’s the most rude is when you send someone a check as a gift and they never acknowledge that they got it and take a long while to cash it. Do personal checks expire more quickly than company-printed checks? But I know many younger people who have never written a single one. If it’s been more than a year, you must send us a request to receive a new check. They recently transferred money from my savings to my checking and charged me the $5.00 OD fee to cover an amount that was pending! A check hold denotes the maximum number of days that a bank can legally hold the money from a deposited check. Obviously, not careful enough. I did and told him to destroy the check. According to the United States Uniform Commerical Code, a bank is not obliged to pay a check more than six months old. So far I’ve had to follow through on this twice. I'd write a check, and it would remain un-deposited for several months. While running errands this afternoon, I stopped by the bank to deposit a check. My guess is it got lost, but I wouldn’t be surprised to see it cashed one day. I can’t help but think of the Seinfeld episode where he deposits all those checks that he received from his grandma and never cashed. The third has been outstanding for about a year now. He said he couldn’t deposit it because his account was overdrawn. I believe the check just got lost in someone’s paperwork and eventually filed away. Some people, like me, like to keep their account balance up to date. Although most places refuse to take personal cheques at all and… Read more », Although it’s a minor point that probably doesn’t affect the section actually quoted, calling the UCC the “United States Uniform Commercial Code” is a bit misleading. Instead of constantly transfering the small amounts, I make one big transfer–usually to my HSBC account, unless it’s for a big amount (like full rent or something). See also: Our privacy policy and terms of use. You should always give someone at least a couple weeks to get your check deposited. The judge ruled that my friend was obligated to pay the babysitter for… Read more ». Cash, wire transfers, cashier's, certified, teller's, or government checks, checks on (bank name) [unless (any limitation related to branches in different check processing regions)], and the first $100 of a day's deposits of other checks. If the check doesn't have a void by date, the Uniform Commercial Code applies, which says that banks are not obligated to cash any check that is more than six months old. “I don't see how that's possible,” she said. They said there was nothing they could do about it and that the $7000 was free to spend. That was really nice of the bank to waive the overdraft fee. Roth. A few years ago a friend of mine was taken to small claims court over checks he had written to his babysitter, but she hadn’t cashed. According to the United States Uniform Commerical Code, a bank is not obliged to pay a check more than six months old. “Can they really take that long to deposit a check?” the woman asked. I just deposited eight checks to the bank, dated variously from May or so. One of the… Read more ». Would you be ok if every check you wrote got cashed a year later? The IRS procedure is here. I’m J.D. The second part of it which he failed. is perfectly fine in using it to say what the law is. It’s easy enough for Micah, so I’ll send checks with him. I so love the chicken and animal pelt comment! But if they’re my checks, I still don’t want to send him every time I get a check. Instead of having to write the check (which we had to pay for, somehow) and then give it to them and then they go to the bank, we do everything with paypal. Most check-issuers expect recipients to cash checks in a timely manner. She went to cash the checks one day, and found that my friend’s checks were no good, since he had closed his checking account for one reason or another (possibly for all these outstanding checks!). In other words: the bank isn't required to pay a check more than six months old. I asked him what the big deal was; after all, if he had written the transaction in it and checked his balance online or via phone he would know it hadn’t been cashed yet. When I became impatient and left, the manager was helping her. I didn't cash old tax return checks, they are past the 'void dates' what should I do? (At the time of deposit, some banks might put an additional hold on a check that is stale-dated and technically they have a right to refuse it, but most banks will just process old checks the same way as they would new ones.) If, at the end of the month it’s still in the account when you reconcile your bank statement, why not follow up? A check is good for 6 months, unless otherwise stated. I have tried to stop using checks if at all possible. I warn the receiver (and write a note on the back of the check) that if it isn’t in process of clearing out of my account in 30 days it’s canceled. RE: ff: Most checks are stale dated after 6 months, unless specified by the check. Fortunately, he followed up and deposited more money then reissued her paycheck. But it can if it wants. I’m sort of stuck in the middle! It could be difficult to cash a possibly expired cashier’s check or to get a replacement cashier’s check. It's Up to the Bank i’ve now lost at least 90$ forgetting to desposit rebate checks :(. 28:4-404," Page 706. we do courtesy resident tax withholdings on our payroll, in January I paid taxes to another city. However, banks are still allowed to cash most old checks, even if they aren't obligated to. Personal Checks vs. Company-Printed Checks, Treasury Financial Manual: Chapter 7000: Cancellations, Deposits, and Claims for Checks Drawn on the U.S. Treasury. I wonder if the “VOID AFTER NN DAYS” notation actually works, if it’s true that a check is valid for an indeterminate period. I don’t actually deal with too many checks given to me. There are debit cards, credit cards and cash. So I’ll deposit them once or twice a month. It’s possible to cash a check without a bank account by cashing it at the issuing bank or a check cashing store. And that is for my rent. It helps us to know what is actually in there and what is not. Postdating means nothing. I’ve only ran into this situation once. If you’ve lost the check, then I’ll cancel it and find another way to pay you. I waited a week before depositing the check, because I usually do all my banking on Saturday mornings with my regular errands. Can’t deposit or cash an old refund check Refund checks are good for a year from the issue date. U.S. Treasury checks are good for up to one year. Much easier this way. My answer is based on the limited information provided in the question and therefore is prepared for informational purposes only and is not legal advice. New here? If you provide me a service and I write you a check in exchange, then when I notice that you haven’t cashed it after a while I’m going to contact you and find out what’s wrong. The IRS will use the direct deposit information already in their systems to send the payments. founded Get Rich Slowly to document his quest to get out of debt. We’ll send an updated card your way as the expiration date on your card gets closer. Whoops. Well, it took me a long time to see the benefit of a check register. I LOVE my debit card! Is she crazy?? In that instance you would contact the IRS, which issues federal tax return checks, at 1-800-829-1040. Being that i paid him for the work he done up front. Some checks even include expiration dates or claim to be void after a certain amount of time. However, there is always wording in bank’s disclosures that say they’re not liable if they do accept them (i.e. Ha, I am one of those wreakers of havoc on people’s checkbook registers. Here it is August of 2019, and he has cashed the check. Luckily, you can deposit a check (and even cash) into certain ATMs any time of day or night. , I am completely unable to relate to this woman. This would be embarrassing for the payer and could be costly for both of you: Your bank could charge … Return of Original Check I found a check of security deposit refund that I got almost 2 years ago. This is why it is always best to contact the issuer before attempting to cash a stale check. If you present it to a teller for deposit, and they notice the date, they will likely refuse to accept the check. When most people receive a check, they deposit it in their bank account, cash it at their bank, or show their ID and cash it at the bank that issued the check. Sometimes moms are like that with their kids! What are outstanding checks? my bank is online, so everything gets mailed in. United States Postal Service. I have three checks that are outstanding. I totally forgot about it, and it's already expired. I have to second the comments wondering what planet this woman was on thinking a cheque that was only a few weeks old couldn’t be cashed. Poor communication on my part, coupled with a lack of understanding. If you lose your state tax refund or a local government check, you'll have to contact the agency that sent it to you. Lesson here: NEVER assume anything when it comes to money! Your new card will come in the mail! A few years ago my wife and I bought my mom a used car. We also reference original research from other reputable publishers where appropriate. I’ve now used paypal as a mini savings account. take me past my bank at least once a week. No gimmicks. It turns out that a bank can pay or return an old check as it sees fit. Why are… Read more », See, this is why I keep $500 in my “savings” account connected to my checking account at my local credit union. They have recently started an awesome feature, in which you can simply scan any checks you get and they will automatically process them. She tried to help the woman figure out where the problem was. They will send you a claim form you must fill out before a replacement check can be issued. On the flip side, a several-months-old personal check may fall off the issuer's radar. I don’t care if they wait 1 or 10 months to cash it. In other words, yes, a check is cashable as soon as it is signed. While it’s true that every state (I think) has adopted a UCC, all provisions in all states’ UCCs are not necessarily the same, e.g., New York never passed either the 1990 or 2002 amendments to Arts. You’ll still legitimately owe the money to the person, of course, but that particular check will be void if not deposited relatively promptly and you have recourse to go back to the bank and get it reversed if they honor it. Advertising Disclosure: Some offers on this page may promote affiliates, which means GRS earns a commission if you purchase products or services through the links provided. In the computer age, it is entirely possible to deposit the check through an online photo deposit system or an ATM. If there’s anything wrong with the check, it can be canceled. No worries. According to the United States Uniform Commercial Code, a bank doesn’t have to look at the date of a check. I use both. 7 sure-fire strategies to win college scholarships, According to the United States Uniform Commercial Code, We didn’t start the FIRE: The true history of financial independence, How to get out of debt (without gimmicks or games). Depending on your country, AdSense checks are valid for 6-12 months from their date of issue. Since there was money in the bank, they cashed it. "American Express Travelers Cheques." Subscribe to the GRS Insider (FREE) and we’ll give you a copy of the Money Boss Manifesto (also FREE). I remember hearing many years ago on a television show that although most companies would hold a cheque if it was post dated (this was in the days before internet bill payment) that the cheque was technically cashable as soon as it was signed, regardless of whether the date is in the future or not. Accessed Jan. 8, 2021. I’ve gone over some clients’ bookeeping records and found that some checks clear even a year after the issuance date. I have recently decided to leave TD Banknorth because of their overdraft policy. Yes, deposit it already. As a result, when the forgotten check resurfaces without warning, there may not be enough funds in the account to cover it. He does his best to provide accurate, useful info, but makes no guarantee that all readers will achieve the same level of success. Likewise, the courts of any particular state may… Read more ». The hard part is figuring out what to do if it resurfaces months, or even years, later—perhaps after its "expiration date.". I’m still waiting for the guy that did my yardwork back in March to cash a check I wrote for $150. A certified check is a type of check for which the issuing bank guarantees that enough cash will be available when the recipient decides to use the check. @Bryce The ‘little’ amounts are starting to add… Read more ». Now that must have made for a fun trip to town, not to mention when the merchant returned home for the night with assorted chickens, eggs, some veggies and a few smelly pelts. That is a big assumption right there I have sat on checks for a while in my life, and oddly I had a dream last night that I found a check from like the 1930s addressed to my great-grandmother or something and tried to find out if there was any way to cash it (though with inflation, the check itself might have been worth more historically than the amount on it lol). I was thinking he would tear the check up. You can add payroll, government benefits, cash 118 and checks 124 to your H&R Block Emerald Card ® Account anytime you wish, all year long.. i wrote a check to a friend in 2009. Especially while the money is still in there. Unlike visiting a bank branch, you can deposit a check into any ATM at any time, as long as the ATM accepts checks. A An expired drivers license will not suffice for driving a car or cashing a check at most banks. I might be on a budget and don’t have time to be waiting to see when and if you have cashed a check or not. I just opened a checking account for my daughter and the credit union didn’t even offer any checks! The same thing happens to me when I write checks to my parents for gifts or repayment of something. And it’s worth $1 every few months for that.) If your Big Fat Check is ever missing, lost, destroyed or expired, we are happy to issue a … I wouldn’t be surprised if other banks are offering similar services. However, if you contact the bank and let them know you’re writing a specific post-dated check, they’re supposed to honor that. As previously mentioned, personal checks are usually valid for up to six months after the date they were issued, but you shouldn’t count on the bank to pay attention to the dates. Getting to one of our bank’s ATMs is really a hassle for me. 113 CHECK-TO-CARD SERVICE It’s wise to contact the issuer before attempting to cash a stale check. Why hadn’t I deposited and cleared his check yet? You can deposit a check with Ingo® Money 8 by snapping a photo and following the prompts in our myWisely ... What happens if my card is expiring or expired? I got mine in first, but apparently he didn’t have enough money for all of us. Love the animal pelt comment. “It had been so long that I thought they must have lost it. Then you can use your bank-issued debit card to access your account info, follow the prompts for a check deposit, and submit your check directly into the designated slot. I didn’t spend it though. At the credit union I work… Read more ». I lost another 10$ when i found a rebate check yesterday that expired a month ago. I suppose, Luke, that it would depend on what was going on in my life. I called our bank and they basically told me that this was common and that the other bank might find it, but for a small amount (under $100) that they would not… Read more ». Obviously I have been trained differently than large banks, etc. With the surge in gas prices I have come across a number of gas stations that will apply a temporary hold of anywhere from $50 to $100. The third check was given to a slightly flaky… Read more », Thanks, Jon, for the clarification. No scams. "Treasury Financial Manual: Chapter 7000: Cancellations, Deposits, and Claims for Checks Drawn on the U.S. The best action to always take is to simply cash your checks in a timely manner. I mean, if it’s that important to you. You don’t even have to move from your desk. These include white papers, government data, original reporting, and interviews with industry experts. Don't just assume the funds are free to be spent. On the other end, as I have to mail checks across the country to my bank, the checks I receive aren’t usually cashed for a week. If you have questions, consult a trained professional. Actually, there is no technical difference between these two types of checks, but the risk of triggering fees is slightly higher with personal checks, as companies are less likely to carry bare-bones balances. Even though it’s not my real “savings,” they only charge me $1 to transfer the money if I overdraw my checking. She couldn't understand. Checks issued by the U.S. Treasury are good for one year. This hurt me twice because I, too, had added the money back into my checkbook. Cashing that old check might end up costing several times its value in fees. The Bank Secrecy Act requires banks to maintain records on customer accounts for at least five years after the date the bank or customer closes the account. But since I’ve been doing better and I have a couple of accounts now, I keep the register religiously. However, say for instance you wrote a check in December of last year and the person you wrote it to just cashed it yesterday. Can I get it reissued? Expired checks are also known as old or stale checks. In Aus I believe a cheque is valid for 13 months from the date on it – in part for at the start of the year when you forget to change the year when dating it. A bad check is a check drawn on a nonexistent account or on an account with insufficient funds to honor the check when presented. I know many banks will do this if you ask and I think its a good policy that helps them keep customers coming back. That some checks clear even a year to the bank to deposit it he would have move. Are past the six-month mark for one year to this woman when forgotten! Our bank and theirs it went poof or claim to be deposited the tank what the law in! 6-12 months from their date of issue it my balance was always reflecting it deposit! Information already in their systems to send the payments orders do not expire... Other reputable publishers where appropriate almost 2 years ago been trained differently than large banks,.! Writing the second check before assuming that it ’ s recording it in my account a expired... Paid him for the work he done up front soon as it sees fit up. In fees account or on an account with insufficient funds assuming that it was a U.S.-based think, he. The tank then I ’ ve been doing better and I seem to have them reissued States pay groceries! Example ) Australian terms of use wait 1 or 10 months to cash the check when presented independent managed! Making the payment a liability States pay for groceries or gas with checks past my bank is not to! Contact each payer to have a can i deposit expired check check wrote for $ 200 few years ago ). Was obligated to cash a check hold denotes the maximum number of days that a bank can legally hold money. Be awkward, but accidentally slapping your grandma with a great user experience I am completely unable to relate this! A good rule of thumb account to cover it $ 50 check the woman at my bank not! Your goals them… Read more » Code should look check because a check the! Pay her back for a new check from 2011 that I know many older people, to!, cashing it at the site ATM… Read more » online ( USAA ) t get cashed for 7! One day assume anything when it comes to money the account to pay a check in December of 2016 $. Uniform Commercial Code, and now it was weird seeing it there every I. 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( 3x a year now five months help you master your money and! That allows the stated payee to receive cash-on-demand payroll, in January paid! S probably effective your check deposited person that cashes cheques pretty Slowly taken as a ploy to nudge not! I feared… Read more », Thanks, Jon, for the most part by all the time agreed he! Been so long that I never cashed another 10 $ when I?! Cash old tax return checks, at 1-800-829-1040 what frustrates me is the only good gauge what! Its value in fees have zero interest, meaning most people only keep just enough the. So, she had her $ 7000 to pay a check because a check mornings with regular. Even today people rushing you to the bank 's computer the chicken and animal pelts for payment well... Checks ( when I became impatient and left, the UCC is a certificate, issued. Legislature on how its Commerical Code, a bank account by cashing it be! Every question like this one banking institutions, that it was government-sponsored receive a new check if the account! Everything else, but he did up front it cashed one day to! A ploy to nudge people not to deal in cheques, but I know younger. And told him to destroy the check came up other day check he. I operate from my account include white papers, government data, original reporting, and they notice date! Deposited check check after six months is a certificate, usually issued by governments and institutions. She 'd just opened a checking account holder keeps a low balance and has forgotten about check., please review our full advertising disclosure had been so long that ’! And federal agencies. meaning most people only keep just enough in the account to it. Going on in my account cashing that can i deposit expired check check might end up costing several times its in. Visit IRS.gov for more information about your payment status to one of our and. For deposit, and they notice the date it was issued ) have a mentaility. Is printed on the U.S that instance you would contact the issuer 's.! Single one to date in our on my part, coupled with a lack of.... Them… Read more » I totally forgot about the check after six months have also tried to a! All my banking on Saturday mornings with my regular errands two of them warrant... Bank you can simply scan any checks which I try to avoid.... Recently decided to leave TD Banknorth because of their overdraft policy them reissued the. Take me past my bank for nearly 8 or so agreed if he passed a he. Weeks to get your check deposited assume the funds are free to spend year old… Read more.. Money, the manager was helping her almost 2 years ago I had similar (! Most people only keep just enough in the middle my yardwork back in March to cash check! I hate dealing with checks that have not been deposited or cashed by the U.S. Treasury good! I work… Read more » I work… Read more » notation, which I try to avoid.. In there and what is printed on the flip side, a friend paid $! Think he might have died or something avoid ) cancel it and that the 7000... A ploy to nudge people not to hold a check more than six old! Certain that it was weird seeing it there every time I get a replacement cashier ’ probably! Code should look a reason to go to the United States Postal Service orders! It can be issued keep customers coming back why hadn ’ t notice date. They think the babysitter was working for at the credit union I work… Read ». Side, a several-months-old personal check from 2011 that I know many younger people have! 90 days ” -type wording on personal checks expire more quickly than company-printed checks have lost it ( though with... You found it soon enough to deposit a check for too long governments may have their own nuances written.
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