Discover 10 Forgotten Checks: What Would You Do?

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Discussion Overview

This thread explores the situation of finding uncashed checks and the various approaches participants suggest for handling them. Participants share their personal experiences and opinions on whether to cash the checks and how to communicate with the individuals who issued them.

Discussion Character

  • Anecdotal
  • Opinion-based

Main Points Raised

  • One participant shares their experience of finding uncashed checks and seeks advice on what to do with them.
  • Another participant suggests trying to deposit the checks and consulting the bank about their validity.
  • Several participants advocate for calling the individuals who issued the checks to explain the situation and inform them of the intent to cash the checks.
  • One participant recounts a similar experience where contacting the check issuers led to receiving new checks when accounts had changed.
  • Another participant mentions the importance of checking with the bank to ensure the checks can still be cashed, especially if they are several months old.
  • Some participants note that people closely monitor their accounts and may be surprised if uncashed checks are suddenly processed.

Areas of Agreement / Disagreement

There is a general agreement among participants on the importance of contacting the check issuers before cashing the checks, although specific methods and considerations vary.

Contextual Notes

Participants share personal anecdotes and experiences related to handling uncashed checks, highlighting the varying practices and potential outcomes in such situations.

Who May Find This Useful

Consultants who encounter similar situations with uncashed checks may find the shared experiences and viewpoints relevant to their own decision-making processes.

Kattyschack
Kattyschack
Gold Member
Messages
306
I was cleaning out one of our bedrooms and found a box with misc. stuff. Under some old catalogs and order forms, I found about 10 checks from end of March. What would you do? Do I cash them? I have never had this happen before.
 
I personally would try and deposit them, at least take them to your bank and see what they say. I don't know if the 90day rule applies here or not.

Good Luck
 
I would call each person, apologize, explain the situation and let them know that you will be cashing the checks. That way, they would know that the checks are being cashed and you have an opportunity to talk with them again. Maybe offer them a SB or something.
 
I agree with calling people. thats a long time to not have a check cashed
 
I actually had this happen before too. I called everyone, and I'm glad I did, because one lady had to close her checking account. She issued me a new check and I sent back her old one. Everyone was really nice about it.
 
Ditto on making phone calls. I know too many folks who do not balance their
checkbooks and just go by what the bank says. They may think your check
was cashed long ago, and not be able to cover it at this point in time. I had
one guest who bounced her credit card, and then a check. I finally called
her bank and took the check up there to get cash before depositing her money,
rather than have a second insufficient funds charge ($10 at HSBC), if I tried
to redeposit it.
 
Yes definitely call them. I know to not expect checks from non-profit organizations and school PTSA things to be cashed for a month or more, but I think anything coming on 6 mths might not be valid. I would call the bank first to make sure you would be allowed to cash them, then call the customers to let them know what happened!!
Good luck!!
 
I agree that you need to call them. People watch their accounts so closely now. Since they weren't cashed the people may have forgotten and would be upset if money suddenly left their account. They will understand if you explain.
 

Frequently Asked Questions

What is "Discover 10 Forgotten Checks: What Would You Do?"

"Discover 10 Forgotten Checks: What Would You Do?" is a program designed to help individuals identify and reclaim uncashed checks or unclaimed funds that may be owed to them. It encourages participants to explore their financial history and take proactive steps to recover any lost income.

Who can participate in the program?

Anyone who believes they may have unclaimed funds or forgotten checks can participate in the program. This includes former employees, individuals who have changed addresses, or anyone who has not cashed checks from various sources.

How do I get started with the program?

To get started, participants typically need to provide some personal information, such as their name and previous addresses, to search for any forgotten checks. The program may offer guidance on how to conduct this search effectively.

What types of checks or funds might I discover?

Participants might discover a variety of checks, including payroll checks, insurance payouts, tax refunds, or any other financial instruments that were issued but never cashed. The program aims to help individuals uncover these potential sources of income.

Is there a cost associated with participating in the program?

Many programs that help individuals discover forgotten checks or unclaimed funds are free to participate. However, it is essential to verify the legitimacy of the program and ensure there are no hidden fees or charges before proceeding.

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