How long do checks last?

posted 3 years ago in Legal
Post # 2
Member
1042 posts
Bumble bee
  • Wedding: September 2014

LadyMoriarty:  Have you tried to deposit them?  The banks will frequently deposit regardless of the name specifics 🙂  Your husband may have better luck since it matches his last name 🙂

As a courtesy to your guests, and their checkbook balancing, I’d try not to wait that long to deposit them.

 

Congrats!

Post # 3
Member
1603 posts
Bumble bee
  • Wedding: August 2013

LadyMoriarty:  Can’t your husband deposit them? How about you guys just combine a bank account right now and do it that way? Usually I wouldn’t wait over a month. 

Post # 5
Member
1283 posts
Bumble bee
  • Wedding: November 2012

LadyMoriarty:  My husband and I had this issue too. I decided to not change my last name, but some people did not know that. We just went into the bank where my husband has an account and explained the situation, and they deposited it to his account. Maybe call your bank and ask them what their policy is? They should be able to tell you if they need the marriage certificate or not. 

Post # 7
Member
5015 posts
Bee Keeper
  • Wedding: September 2013

I’m sure you can deposit it- at least into your husband’s account. We had several “mr & mrs lastname” checks that we had no problem with.

Post # 8
Member
9149 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

LadyMoriarty:  Technically forever but most banks will only honor them for up to 60-90 days after they were written.  I deposited checks into my personal account (i.e. under my maiden name) addressed to Mr. and Mrs. HisLastName with no problems from the bank.

Post # 9
Member
618 posts
Busy bee

LadyMoriarty:  It’s not necessarily how long the checks last but how long your family/friends can have a check in limbo. My biggest pet peeve is people who hang on to checks I have written. I would just swing into the bank and talk to them. I have gotten a check from an elderly family member made out to Mr. and Mrs. R but I’m still Ms. C were not even married yet! I was able to deposit the check no problem in our joint account. The banker did say that she would have needed me to get a new check if I wanted to cash it.

Post # 11
Member
1725 posts
Bumble bee
  • Wedding: December 2014 - 13th ~ TN

LadyMoriarty:  Typically 6 months. As other bees have stated though, if they have both names and your husband has an account you can probably deposit them. You can also try taking in your marriage certificate without having changed all your ids yet.

Post # 12
Member
45165 posts
Honey Beekeeper
  • Wedding: November 1999

Banks are not legally required to cash checks that are more than 6 months old in Canada. They may do it, but hey are not required to.

Normally you can just endorse the check with the wrong name, e.g Mrs John  Doe,  then the right name Lad Loriarty.

Phone your bank and ask what their policy is.

Post # 13
Member
48 posts
Newbee
  • Wedding: April 2014

wells fargo was fine with my name not being changed yet! they had me sign my name on the account, then my new name, then had my husband sign.

it took a while but they took all the checks!

 

good luck!

Post # 14
Member
3762 posts
Honey bee
  • Wedding: April 2014

Personal checks are valid for 6 months (180 days, technically). However, most banks will let you deposit them if you sign them with both of your maiden and married names. I think taking your husband with you to your bank will be helpful, just to be safe.

Post # 15
Member
1918 posts
Buzzing bee
  • Wedding: April 2012

Just have your husband cash them.  Also you likely won’t have any issues if you just deposit through the ATM.  The bank tried to make me feel bad about not changing my name and I threw a huge fit.  

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