When 2020 arrives, be sure to write the full year on your checks

When writing a check in 2020, be sure to write the full year on the check – 2020.

Though you may be used to writing ’19, use extra caution this coming year, as a fraudster could manipulate the date and change the date to 2021 and claim the payment later – when you may not have the funds in your account.

While writing an old date such as 2019 is not something someone would normally do – because checks are not valid after six months, you run the risk of someone changing it to a later date.

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12 COMMENTS

  1. I think the checks not beeing valid after 6 months claim is misunderstood, only if the check has a stamp on it saying ” Not Valid after 180 days” , otherwise don’t think the checks expire.

  2. A bank rep told me once that postdating a check is meaningless as a person can cash/deposit it before the date. Apparently dates don’t mean anything to the bank.

  3. If someone wants to not cash my check for a year that’s s not fraud it’s negligence. And if he loses my check then it’s criminal negligence. Would have been more useful if you explain the difference between car and lar on a check. courtesy amount and legal amount.

  4. To Hi: most banks do have rules that they won’t accept a check that is more than 6 months old.
    To FYI: I don’t know about your bank but every bank I know of will not accept a check for deposit even one day before the date written. Maybe if it’s deposited with a batch of other checks it’ll go unnoticed but if they see it, they won’t take it.

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