How long do you get to cash old cheques?

I have a cheque dated 22/06/2004 that got in with some old paperwork that I have just come across and would like to cash it.

How long do you get to cash old cheques?
Present it for payment and if it is not accepted then ask the drawer to endorse the date. If it's only for a small amount the bank will probably accept it.





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Reply:Six months in India
Reply:1 year
Reply:i have always wonded about that as well, i'll ask my bank on monday if they arnt busy, just to make sure it is 6months, i have found up some cheques from 05 and the start of this year opps lol
Reply:In the U.S., there used to be a regulation that stated that a check was stale-dated after six months, and that it was up to the drawee bank's discretion if they wanted to pay it. I would deposit it, just in case...and if you have nothing against a 2-5 business day hold (in compliance with Regulation CC), I would put a hold on it as well, in case it does come back unpaid. However....the six months no longer applies, as of a couple months ago. That regulation was repealed. If you can contact the maker of the check, do so, to make sure there isn't a stop payment on it, and to make sure that the person has enough funds in their account to cover it, and that the account is still open. If not, try contacting the drawee bank to verify that the account is open. Then deposit it, preferably with a hold.
Reply:I thought it was three months - you're best checking with your bank.





They may require the cheque to be re-done.
Reply:Six months in the U.K. I recently found one that I had overlooked.


It was from an Exeter solicitor, I wrote to them enclosing photostats of all the paper work etc. and asked them to endorse it so that I could cash it. They refused. So I put it in a picture frame and it now hangs on the wall in my downstairs toilet. It is amazing how many visitors have said to me "Oh, if that is the sort of solicitors they are, I will never deal with them" The firm must surely have lost business because of it, it has become quite a talking point!!


If anyone thinking about using an Exeter solicitor wants to know their name contact me.
Reply:In UK cheques are usually valid for 6 months.


Get whoever wrote the cheque to write a new one.
Reply:I'm sure it is 3 months in England, why not ask the payer to rewrite another one.
Reply:Depends on your bank. Might want to check with them first.
Reply:If you are in the UK the limit is 6 months, I'm afraid.





Is there any chance you could get back to whoever issued the cheque and ask them to issue another?





Sorry not to be able to help more, I know how frustrated I'd feel if the same thing happened to me!
Reply:Six months I believe.
Reply:Try and cash it, but don't be surprised if it is no longer any good. Some checks have a limit of 90 days to be cashed, or it is void, and I'm sure there is a set limit by the banking regulatory people on how long a check is good.
Reply:thats fine if its dated June. Its 6 months so you'll have until December.
Reply:6 months babe. its no use. best to get the cheque writer to write another and aplogise. if not then you have lost it. sorry
Reply:don't think you can! usually its six months. England. but check with your bank.
Reply:I think about 6 months. Your bank may still honour it though
Reply:as long as the person who gave it to you has the money in the bank to cover it
Reply:The norm is 6 months grace period after you get the check I would suggest going to your local bank.
Reply:thats fine take it the bank, as long as the other person has cancelled it!

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