Small Business Banking
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September 7, 2014 05:31:18 PM
1 person recommended this |
In reply to Ernest, Bogota
Thank you for joining us on TD Helps, Ernest!
We do understand that sometimes we receive checks and do not cash or deposit them right away. Checks that are more than 6 months old are considered "staledated," but are still eligible for negotiation by the Bank. However, some business checks have an expiration date (payroll checks, government checks, etc.), which limits or extends the time period when the checks can be cashed or deposited.
If you are referring to the checks you have for your own Checking account, please note; your checks are valid as long as your Checking account information remains the same.
We hope the information provided helps. Let us know if you have any further questions. Have a great one
Katherine G, Mount Laurel
September 7, 2014 05:32:11 PM
3 people recommended this
In reply to Katherine, Mount Laurel
I have the same question. I wrote a check for my friends wedding back in august. She still hasn't cashed or deposited it yet. I'm worried because my balance is not accurate and am afraid that she suddenly will cash the check when I. Have no money in there. She actually told me she wasn't going to cash it. How long does a written check from a personal account last?
Thanks for your help.
September 30, 2014 02:58:13 PM
1 person recommended this
In reply to Angela, Fords
Thanks for joining the conversation, Angela.
We do understand that sometimes we send checks and they are not cashed or deposited right away. Checks that are more than 6 months old are considered "stale dated," but are still eligible for negotiation by the Bank. However, some business checks have an expiration date (payroll checks, government checks, etc.), which limits or extends the time period when the checks can be cashed or deposited.
You also have the option to request a Stop Payment if you would not like the check to be processed. Luckily, there are a few convenient ways to get this done!
You may give a call 24/7 to speak with a Customer Service Representative at 888-751-9000. Our Representatives would be happy to assist you in placing stop payments. Keep in mind you will need the check number, exact amount of the check as well as who it was made payable to. You may also go to a TD Bank Store location for assistance. For lobby hours and locations of TD Stores near you please visit http://bit.ly/TDStores.
Another option you have to place a stop payment is via Online Banking. If you're not currently enrolled for Online Banking, you may do so by clicking: http://bit.ly/1lU2qfY. You will need your account number and ATM/debit card number to enroll online. Once you're logged in, please click on the "Customer Service" tab and then "Stop Payment."
Please note there may be a fee applied for a stop payment. Please visit: http://bit.ly/1cTejgt to view our fee schedule.
Hope this helps and have a great day!
Megan K, Mount Laurel
September 30, 2014 02:59:18 PM
What about a commercial insurance check made payable to my mortgage company and me. It has no expiration date. So at what point would it be no good? And would the bank replace it?
Pat, Cherry Hill NJ
January 11, 2017 11:23:51 AM
In reply to Pat, Cherry Hill NJ
Thanks for joining the conversation, Pat!
Commercial checks have the same rules that apply to a check from a personal account. As mentioned above, checks that are more than 6 months old are considered "staledated," but are still eligible for negotiation by the Bank.
We hope this clears up your question! Take care.
Shanika A, Mount Laurel
January 11, 2017 11:24:30 AM
What do you mean by "still eligible for negotiation by the Bank" ? I work in a company and the auditors told me to void the cheques the company issued that are more than 6 months old as they were staledated. Can someone still cash these cheques?
July 7, 2017 10:04:50 AM
In reply to Ana, Toronto
Thanks for joining us, Ana.
Potentially, checks can still be cashed if older than 6 months. Though checks are considered "staledated" after six months, they are still eligible for negotiation.
Some business checks have an expiration date printed on the check which limits or extends the time period that the check can be cashed or deposited. This is usually for payroll checks, government checks, etc. If you have a business account with us, we recommend placing stop payments on items that remain outstanding past 6 months to help ensure those checks won't be paid in the future.
If you have any questions at all, please don’t hesitate to reach out to our Small Business Banking Team 24/7 at 800-493-7562, Option 2. You're also invited to visit us at any of our Stores. To find one near you, please click here: https://go.td.com/1nq31dc.
We hope you have a good weekend, Ana.
Customer Service Team, Mount Laurel
July 7, 2017 10:05:19 AM