The takeaway Likely either a cashier's or certified check will be an acceptable for paying closing costs, since they're both guaranteed funds. The Uniform Commercial Code permits the accepting institution to decide whether it will redeem checks dated more than six months before the date you take the check to the institution.Since banks and other financial institutions typically use computers to process … If the check lacks this information, looks fake due to the quality of the paper or is badly printed, this might be a sign that the check … Q: How long is certification good for and do I have to be recertified? In the real estate market, the earnest money check is one of the essential ways buyers prove they're serious to sellers. The financial institution redeeming a check determines the expiration date of a personal check. (Photo credit: CarbonNYC) Just over a year ago, my wife wrote a small check for an end-of-the-year school function of some sort. A: As of July 1, 2015, BASSET cards are good for three years from the date of issuance. The only time we accept a cashier’s check is if the cash to close is under $500 or if it’s for the earnest money deposit. How long is a check good for and other things to know about cashing old checks Advertiser Disclosure We are an independent, advertising-supported comparison service. A cashier’s check is going to settle faster than a personal check. For example, a BASSET cardholder who was certified on May 15, 2014 would need to renew by May 15, 2017. Nevertheless, your cashier’s check will undergo fraud checks, but it will not undergo any form of payment dispute due diligence. The difference is that a claim for the funds will have to be placed with the state treasury after escheatment. It's a safe way to make a large payment. But the claim represented by the check is valid for as long as the state's escheat law provides for. Cashier's checks are usually printed on heavyweight paper. The bank will typically add its own stamp and signature to a certified check, along with conditions (like how long the check is good for). ‹ § 4-403. But the bank won't have to honor the check after it has escheated the deposit. Q: I have a cashier’s check that I got in 1987.It’s for $18,600. My father got it from his bank account to keep my brother, who was on drugs, from getting the … You should see a bank's name and logo on the check along with routing and account numbers. The check was … It's a substantial chunk … A bank is under no obligation to a customer having a checking account to pay a check, other than a certified check, which is presented more than six months after its date, but it may charge its customer's account for a payment made thereafter in good faith. How long it takes your checks to process and clear has much to do with your bank and the issuer of the check. 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