09-13-2011, 02:30 AM
Checks are technically "stale-dated" after six months. However, the bank can cash it, or not, at any time that it's presented. It's their choice. The UCC leaves that up to the bank. Same thing with post-dated checks, they can clear before the date on the check, unless you specifically notified the bank that you issed a post-dated check. Most checks are not sight-checked now, they clear electronically, so no one ever looks at that date.
You can do three things: call the HOA and ask if they still have your check, and if they ever plan to turn it in to the county. My guess is that your HOA never turned in the paperwork and check you gave them.
OR you can do nothing, and the check might turn up clearing your account someday
OR you can put a stop pay on the check and pay a fee, but there's probably little value in doing that .
You can do three things: call the HOA and ask if they still have your check, and if they ever plan to turn it in to the county. My guess is that your HOA never turned in the paperwork and check you gave them.
OR you can do nothing, and the check might turn up clearing your account someday
OR you can put a stop pay on the check and pay a fee, but there's probably little value in doing that .