Check expiry date

Question

I have received a banker's check which HSBC New York sent after closing my account. There is no mention of expiry date. Can somebody inform me how many months are USA checks valid?

generally, six months in the US. See related question: http://money.stackexchange.com/questions/1551/do-personal-checks-expire-us — Rocky, Mar 13 '15 at 19:11

score 2 · Accepted Answer · answered Mar 13 '15 at 19:20

2

https://www.law.cornell.edu/ucc/4/4-404

Article §4-404 of the UCC:

"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."

While not 100% applicable, it's probably a good rule of thumb.

answered Mar 13 '15 at 19:20

David Rice

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Thanks! Is a printed check from the bank a certified check? How to know it is one? – Chandragupta Borkotoky Mar 13 '15 at 21:48

Check expiry date

1 Answers1