Just cash it already!!

United States
July 29, 2008 7:23pm CST
It annoys me so much when I write a check to someone and they don't cash it for a long, long time. Why do they hold on to it? Do they think it's like a savings bond that will be worth more if they wait? I have been monitoring my bank account closely because of a security issue with my debit card- I used it at a place where lots of card numbers were stolen. So I've had to watch for unusual activity on my account. Anyway, I wrote a check about 2 months ago, and it hasn't cleared yet. That bugs me because at first glance I think I have more money than I really do. Isn't there some kind of time limit? Has this ever happened to you? Does it bug you?
12 people like this
23 responses
• United States
30 Jul 08
I've had this problem with my in-laws on a couple of occasions. They'll loan me something and it's a matter of pride for me to pay them back, so I always do so in a timely manner - and I KNOW them well enough to know that they are anxiously awaiting my repayment. Then they'll take over a month to cash it! Very irritating for me.
• United States
30 Jul 08
yes it messed me up. i wrote a check for $20 and it was maybe more than 2 months before they cashed it. in my checkbook record a was pages beyond it. to some people it just isn't a priority to cash a check right away. the bank could be out of the way and an extra trip so it is inconvenient.
3 people like this
@walijo2008 (4648)
• United States
30 Jul 08
Yes, its happened to me a time or two and it annoys me either, because it messes up my check book. I have to keep telling myself, well that check hasn't cleared yet, and I tell myself theres less money in there than I think there is. I don't know why people do that either, it is annoying.
3 people like this
@suspenseful (40316)
• Canada
30 Jul 08
Our Church saves the checks it gets for tithes until the end of the month, and when they have a campaign like saving the seminary, helping the school or something, they will wait until the end of the campaign and then put all the checks in at the same time. I do not like it because I think I have more money. So now, I decided to pay by cash. And do not get me started on the credit card payments I paid by check and the things I ordered, and one of those checks took at least five months to clear.
@soycub3d (107)
• United States
30 Jul 08
I think in my experience i have held onto checks and just never had the chance to go to the bank. The bank hours are very hard to find time to go so i just hold them in my wallet. Maybe thats just me but thats what i think. -Sawyer
2 people like this
@greenline (14864)
• Canada
30 Jul 08
Yes, that happened to me a couple of times too. Then, I noticed that the reason behind it was that he had money and didn't need cash for the time. So, I changed the payment system, instead of checks to him, I paid him in cash. That's upto him when he wants to use it. As far as I am concerned, I have met my obligation, and my account is all straight.
2 people like this
@kimbers867 (2540)
• United States
30 Jul 08
I am so guilty of doing these!! I do this to my best friend, and does she get PO'd at me. She has started giving me cash. I hate taking checks because I am rarely near my bank and our paychecks are direct deposit so I don't go near the bank that often. Where I work, I don't go out for lunch so it's not convenient for me. Guilty as charged!!!!
@relundad (2311)
• United States
30 Jul 08
This is one of my biggest pet peeves! I absolutely hate it when I write someone a check and they hold it to it like its savings and not a check! I don't actually balance my check book since I don't really write that many checks. I make deposits and spend. I have had to call people and say "if you have no intentions of cashing that check,please let me know and I can give you cash". I have started telling people if you dont think you will be able to deposit this within 3 days, I can just give you cash. Sometimes people will tell you that will be a better option for them. For those that take the check often think the funds might be low, after I say that will hurry to the bank.
2 people like this
@meggan79 (436)
• United States
30 Jul 08
A personal check is considered good for up to 6 months. After 6 months the check is considered out dated. A bank can still cash a check even if it is out dated, but they have the right to refuse it. I am guilty of holding onto checks. I can be very absent minded and forget to go to the bank to deposit/cash them. When I waitressed I would usually save my paychecks for about 2 months before taking the time to cash them. If it is a personal check I try hard to cash it within 2 weeks. Sometimes I will lose it and it takes me a month or two just to locate it. I think with things like pay pal, in the future you will see people just depositing money into those accounts instead of giving personal checks to pay off personal loans.
2 people like this
@coolmailraj (2461)
• India
30 Jul 08
Hi. It has never happened to me. Whenever I have given out a check to someone they got it cashed as soon as possible, they say they don't want to take a risk with me. I personally won't mind it, but they don't do it at all. One thing more if you happen to give me a check ever I'll cash it as soon as possible, that is not because I don't trust strangers but I like to have some bucks in my account!
1 person likes this
@Pigglies (9339)
• United States
30 Jul 08
This is part of the reason why I don't generally write checks. That and because it's a hassle for me. But I must admit sometimes I am guilty of this too. I work during the hours that the bank is open, so it's hard to get to the bank sometimes. And since I'm visually disabled a bit, I'm afraid I'll mess up something using an ATM. So I prefer to wait until I have time to go in. And sometimes that means I'll wait a week or two to cash a check if I don't absolutely need the money that instant.
1 person likes this
@Hatley (164654)
• Garden Grove, California
30 Jul 08
sillychick it drives me batty when someone takes forever and ever to cash my check and hereI am hoping it will clear soon so I am sure how much money I have in the bank.I dont know for sure how long a time limit there is on checks. Call your bank they shouldbe able to tell ' you that info.
• United States
30 Jul 08
I've had that happen before. Some businesses don't cash their checks but once a month. As for individuals, it's possible the other person has lost the check. You might simply ask them why they don't cash the check.
1 person likes this
@salonga (28016)
• Philippines
30 Jul 08
Well sounds like the person does not need the money or maybe he has so much money that he forgot about the check you issued. Anyway as far as I know, the check will be stale in six months so that will not be negotiable after 6 months. Maybe you should call the person why he is not cashing the check so that if he does not need the money he better just return the check to you. Ha!ha!ha! I've never had such kind of experience yet so far. I hope I will not because I don't want anyone confusing me when it comes to my accounts.
1 person likes this
@schulzie (4064)
• United States
30 Jul 08
Yes, that really irritates me to no end. Because it just throws your whole balance off. One time I waited and waited for my friend to cash the check. They never did and I forgot about it to be perfectly honest. So, it was like 2 or 3 months I think. And then they cashed the thing and I went negative in the bank because of it. That just really sucked. I don't know why people hang on to them either. I always immediately cash a check when I get it. I want my money now! Have a great day and happy myLotting!
@saundyl (9690)
• Canada
30 Jul 08
I hate it when people take months to cash cheques. I've always assumed that a place doesnt really want the money or has lost it when they take past the end of the month. If i recall what i was told correctly that after 6 months they can be "Stale dated" and can be refused to be cashed. However it doesn't mean they wont be cashed.
1 person likes this
@Ravenladyj (22937)
• United States
31 Jul 08
To my knowledge there is no time limit on a personal cheque or any cheque that I'm aware of....and I have to tell you that thats one of the reasons I dont write cheques anymore...in fact I have written a cheque in probably 10 yrs or more...
@vanities (11376)
• Davao, Philippines
30 Jul 08
I had checking account before...but i guess i cant monitor it well and feed up of the charges..especially those checks that havent been clear and thinking that it was already and everything...i guess the check will be void or stale when it reaches 6 months..it cant be deposited or even cash it over the counter anymore..
@dahlindy (13)
• United States
30 Jul 08
This has happened to me, but I've also been guilty of it. When I've not cashed a check, it's usually been because I (or my husband) misplace it and find it months later. The bad news on some checks (for me it was insurance checks), they have a time limit before they become void/uncashable. To help on our end with uncashed checks, we keep our books in QuickBooks so I live by my balance that QB shows rather than what my bank account shows.
@lingli_78 (12845)
• Australia
30 Jul 08
i hardly write a check... in fact, i only write a check once so far... that's all... i usually pay my bills using credit cards or internet banking (b-pay or direct debit)... i'm not really that fond of writing check anyway... take care and have a nice day...