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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.
If the check has a printed expiration date it is often located near the issue date or the signature line. Banks can allow acceptance of a check older than 180 days, as long as they accept it in good faith that it is still valid. However, if the check is no longer a valid payment, the bank has the legal right to withdraw funds from the receiverâs in-house account to cover the loss.