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There is no law or hard-and-fast rule that banks must adhere to regarding stale-dated checks.
According to the Federal Deposit Insurance Corp., if a check is presented for deposit more than six months after the date on the check, it is reasonable for the bank to assume that the check may be uncollectible – and therefore the institution can refuse to deposit or cash the check.
Or the bank may agree to accept the check, but will place a hold on the amount of the deposit to make sure the check clears – and the money is in your account – before releasing the funds for you to spend.
After six months, banks have the option of refusing to deposit or cash any stale-dated checks. Assuming that Aunt Nellie has in her account, you’ll be good to go.
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