But if the amount had been scratched out and corrected, or if was made out to Jacob Smith and your name is Kyle Smith (and your middle name isn't Jacob), the bank may not accept it.
Now, if you show up to deposit a check that's five years old, it's likely the bank won't accept it. But it depends on the mood of the teller and whether he or she even catches it.
I've received a seven month old check for collection that was previously returned NSF.He was mad at his bank, but it was the Boy Scouts' bank that accepted the check to begin with and then sent it to this guy's bank for payment. Recently, my girlfriend added me as an authorized user on her credit card from Chase bank but the card was mailed to her and they never asked her for my Social Security number, date of birth, etc. You think the credit bureaus can't find you if they don't have your Social Security number or date of birth? If Chase is reporting you as an authorized user, it will get onto your credit report.A customer recognizes a check posting to their account that is stale dated (over a year old).The payee came to the bank several times to try to cash it over the counter, but funds have never been available.The person finally mailed the item to us for collection.