A bank has no obligation to cash a person's check that is over six months old, according to Cornell University Law School. The bank can choose to accept the check in good faith. In some cases, the bank might wish to speak with the person who wrote the check before accepting it.
A person who wishes to cash an expired check might choose to ask the issuer for a new one or speak directly with a teller at the bank. The teller will let the depositing party know if a problem could arise with the transaction because of the age of the check, as different banks have different policies.
To have an expired government check reissued, the person should contact the paying agency directly to explain the situation. As long the person has not cashed the check, the paying agency should send out a replacement.Learn More
A cashier's check can be cashed at a bank just like a regular check, according to First Columbia Bank & Trust Co. Because of scams, many banks now require a cashier's check to clear from the originating institution before making the funds available.Full Answer >
Cash a check at a bank by endorsing the check and providing a valid photo ID. While you can cash a check at your own bank or at the bank on which the check was drawn, but you may have to pay a fee at a bank that's not your own.Full Answer >
People can cash a check by going to a branch location of the bank or credit union that issued the check, according to the Consumer Financial Protection Bureau. Individuals must present proper identification to cash the check.Full Answer >
A U.S. News article states that a valid personal check can generally be cashed at the issuing bank without needing to open an account. Check-cashing companies offer this service for a nominal fee. Verifiable identification is needed in most circumstances.Full Answer >