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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.