What is 90 days, really?
January 27, 2013 11:11 PM Subscribe
Doing a long-delayed errand, depositing a few checks from various and sundry rebates. One has a date of 10/30/12 and a statement on it declaring "Not valid after 90 days". 90 days after 10/30 is.... today, January 28th. If I cash the check when I go to work in the morning, and my bank accepts the check today, then processes it through to the originating bank a day or two later, will I ultimately get hit with a returned-check fee?
posted by sesquipedalia to Work & Money (9 answers total)
For what it's worth, the back of the check includes a disclaimer saying "Check, and all obligations and claims, voided if not cashed before date printed on the reverse side of this check. Failure to cash within said period assigns and transfers proceeds to promotion sponsor or processor, as appropriate."
So... cashing it today (the 90th day after 10/30) would presumably be "within said period", right? Or does "cashing" involve the check clearing through the originating bank as well?
(I'll go to bed now before I turn this into a metaphysical question or start wondering about the exact time of day the rebate check was printed.)