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If you wrote the check, the only way to guarantee that you will not be liable for it longer than six months is to place a stop payment order on it. According to Bankrate.com, an oral stop-payment order expires after 14 days and a written stop-payment order expires in six months.
Some banks will hold funds for as little as one business day, while others will hold funds for longer. How long a hold is in effect also depends on the source of the check. An out-of-state personal check might be held for three or four days, while a check issued by the U.S. Treasury might have no hold at all. In some cases, depending on how large the check is, and who issued it, the hold can be as long as five to 10 business days. For banks, the hold is a way of limiting risk. The bank is paying money to you, and acting in good faith on the assumption that there is money in the account the check is drawn on.