All of the tellers were occupied with difficult clients. She tried to help the woman figure out where the problem was. I've already used that money for something else.” The teller didn't say anything. In my younger days, I had similar experiences (though never with checks that were just a few weeks old). Or should I keep it in my account in case the check actually goes through?(I'm old-fashioned and go inside to make deposits for my business finances.) While I waited, I eavesdropped on the nearest conversation. Together they went through the woman's checkbook register and compared it to the bank's computer. “Can they really take that long to deposit a check? I'd write a check, and it would remain un-deposited for several months. Because I toed the line so close to zero, the answer was important.In other states it is a criminal offense to issue a bad check with intent to defraud or with knowledge of insufficient funds.The intent to defraud and knowledge of insufficient funds is required to be present by most states' bad check laws. It is not necessary for the payee to have actually been defrauded.In several states the law provides for fines and or imprisonment, but does not specify if the crime is misdemeanor or felony.In some states there is a criminal offense only when the bad check is given in exchange for property or for a present consideration.Businesses write checks to vendors and suppliers, independent contractors, landlords and utility companies.Occasionally, one or more of those checks may go uncashed for a long time.
The prescribed numbers of days for the various states are:- 5 Days In many states the criminal provisions regarding bad checks do not apply to post-dated checks.It turns out that a bank can pay or return an old check as it sees fit.