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?



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.

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

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