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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.
Holds on these checks can last from five to 11 days depending on the amount and the originator and your bank is only required to release $100 on the first business day after deposit. Checks valued at more than $5,000 are at the bank's discretion.ontact your bank to request a speedy acknowledgement of the release once the business that initiated the hold has released the funds. In most cases the release and acknowledgement process will take a few days, but it can stretch to a few weeks.