How long cashiers check valid for

A court decision in the case of Aliaga Medical Center, S. Harris Bank N. You could end up responsible for the deposit item return fee if the reason she wrote the notice was because the funds would no longer be available after those 90 days.

Someone who wrote a personal check is probably not prepared for the hit his checking account balance will take if you cash it months later. Call or text the person to let him know your intent, especially if the check was issued by a friend or family member. Depending on how old the check is, you may want to ask if the person will write you a new check altogether. How We Make Money. Written by Taylor Medine.

Written by. Taylor Medine. Taylor Medine is a contributing writer for Bankrate. Taylor writes about banking and student loans. Edited By Mary Wisniewski. Edited by. Mary Wisniewski. Mary Wisniewski is a banking editor for Bankrate. She oversees editorial coverage of savings and mobile banking articles as well as personal finance courses. Reviewed by. Kenneth Chavis IV. Share this page. Bankrate Logo Why you can trust Bankrate. Bankrate Logo Editorial Integrity. Key Principles We value your trust.

Bankrate Logo Insurance Disclosure. If you have the funds, your money will be transferred directly to the bank. In most cases, you will have to come in person and provide your government-issued photo ID to prove your identity before the bank will print you a check. If your check is lost or stolen, you might be able to cancel it or recoup the money, but this could also involve filling out a report for your bank and paying a fee for the loss.

Different banks, however, have their own limits on the amount of time these checks are valid. When making larger payments, there are a lot of different options that can get a little confusing. Certified checks are personal checks that are certified by a bank, meaning the bank has proven you have the funds to back up the payment. Money is drawn from your account, not held by the bank, when you use a certified check.

Money orders also come from banks or credit unions but can also be purchased at third-party locations such as grocery stores and post offices. They should also always include a phone number to their bank or credit union of origin. For more information on secure ways to pay, read our guide to money orders. Opening a Checking Account. Paying With Checks. Using a Debit Card. Best Checking Accounts. Business Checking Accounts.

Banking Checking Accounts. Key Takeaways By law, banks are only required to honor checks for up to six months. Treasury checks are good for up to one year. Article Sources. Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate.

You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy. Related Articles. Banking Banking Now What? Checking Accounts How to Endorse a Check. Partner Links. A checking account is a highly liquid deposit account held at a financial institution that allows deposits and withdrawals.

Understanding Checks 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. Read about NSF fees and how to avoid them. What Is an Outstanding Check? What Is a Bad Check? A bad check is a check drawn on a nonexistent account or on an account with insufficient funds to honor the check when presented. The Basics of Debit Cards A debit card lets consumers pay for purchases by deducting money from their checking account.

Learn how debit cards work, their fees, and pros and cons. Investopedia is part of the Dotdash publishing family.