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If you wrote the check, the only way to guarantee that you will not be liable for it longer than six months is to place a stop payment order on it. According to Bankrate.com, an oral stop-payment order expires after 14 days and a written stop-payment order expires in six months.
1 Answer 1. active oldest votes. up vote 6 down vote. I found an article that discusses this subject. It seems that the length of time before a check expires depends on the state and the bank: Discussions about personal check expiration dates inevitably spiral into debates about the nuances of loan ethics. Although banking laws differ from state to state, most states consider that checks in excess of 6 months old are considered âstale dated.â