Information On Stale Date Checks

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Question:

We would like some information on stale date checks. Is it still up to the bank if we honor them or not? I had read here that the bank would be protected both ways.

Answer:

You need to refer to your State's version of the UCC for guidance:

4-404. BANK NOT OBLIGED TO PAY CHECK MORE THAN SIX MONTHS OLD.

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.