Question

Dallas presents an uncertified check for payment more than six months after its date. The check was drawn by Emma on her account in First Bank. What is the status of the check?

1) Certified
2) Uncertified
3) Expired
4) Invalid

Answer 1

The check is considered expired, as it is an uncertified check presented more than six months after its date, but the bank may still choose to honor it at its discretion. The correct option is 3.

Step-by-step explanation:

The status of the check presented by Dallas more than six months after its date is considered stale or expired. In banking terms, a check is generally considered stale if it is presented for payment more than six months after its date unless it has been certified.

Since the check-in question is uncertified and was presented beyond these six months, it is not obligated to be paid by the bank, known as First Bank in this case. It is important to note that the decision to honor a stale check is at the discretion of the bank upon which it is drawn.

Therefore, despite being categorized as expired, it may still be possible that the bank could choose to honor it. However, without certification or a prior arrangement, there is no guarantee of payment.