Stale dating checks

A customer recognizes a check posting to their account that is stale dated (over a year old).

The customer replaced the check at that time, but did not issue a stop order which would have expired now anyway without a renewal.

It's better and less expensive to find the reason for the missing date by contacting the check writer rather than finding out when the check bounces and your bank hits you with a returned check fee.

Banks don't have to dishonor stale dated checks, but the Uniform Commercial Code gives a bank the option of refusing these checks.

I've received a seven month old check for collection that was previously returned NSF.

The payee came to the bank several times to try to cash it over the counter, but funds have never been available.

Some people write "post dated" checks, meaning that rather than the current date, they write a future date on the check, often because they hope you will not cash it before then.

Legally, banks can honor post dated checks at any time regardless of the date on the item.

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