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I sent check for a deposit for a wedding band in mid-September. The band has yet to cash it. How long is the check good for? Thanks, Al
November 5, 2015 09:17:35 AM
In reply to al, CMCH
Hi Al, thanks for submitting your inquiry today. We'll be glad to provide you with more information regarding checks.
Checks that are more than 6 months old are considered "stale dated," but are still eligible for negotiation by the Bank. Some 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.
Please take note that stale-dated checks drawn on TD Bank may still be cashed after we verify the status of the account and check for a stop payment order. If a stop payment is not found, it is possible that the check may be presented to your account for payment even if six months or more have passed.
If you do not want this check to be negotiated, we do recommend placing a stop payment to ensure that the funds are not paid. You can place a stop payment anytime by calling us at 888-751-9000. You can also place a stop payment online by first logging onto your TD Bank Online Banking account. 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." If you need assistance enrolling, please contact our Banking Specialists, available 24/7, at 888-751-9000. After account verification, our Specialists would be more than happy to help!
In order to ensure the effectiveness of a stop payment, we require that you provide us with the check number, date on the check, dollar amount and the payee name.
Please note, stop payments are effective for 12 months from the date the stop payment is placed. Also, depending on the type of account you have, it is possible that any stop payment fee may be waived. Please review our Fee Schedule at http://bit.ly/1cTejgt to determine if your account type would waive this fee.
Should you have any questions at all, our friendly Customer Service Representatives are available 24/7 at 1-888-751-9000 to assist you, or you are always welcome at our TD Bank Stores. Please see http://bit.ly/TDStores for a listing of our locations and hours near you.
We hope this information is helpful, Al and please let us know if you have any other questions.
Colleen B, Mount Laurel
November 5, 2015 09:18:43 AM