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While it may be possible to cash a check that’s more than six months to a year old, there are several things consumers need to consider before heading to the bank with Nana’s old checks.

First things first: There is no hard-and-fast rule about when a check becomes expired.

It’s a common enough problem that it’s been the plot of TV shows like “Seinfeld” and “King of Queens.” Check out the best checking account rates at Bankrate.

She suggests waiting no more than 90 days to make that call.

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Then, the next day the mail comes and it gets put on top, and it just gets lost,” says Walter Graham, chief of unclaimed property at the Florida Department of Financial Services.

A consumer who comes across one of these uncashed checks faces a conundrum.

That fee varies; consumers could pay a couple of bucks or $30 or more, depending on the account and the bank.

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The banks’ rationale is that the consumers receiving the checks are in the best position to know whether a check is good.“A lot of times, the person who wrote the check is wondering why you didn’t cash it,” he says.“People may get angry at you because you haven’t cashed a check, like it’s insignificant (to you).” Whitmore says that it’s also all right for the giver to call a check recipient and ask whether he or she received a check if there’s a delay in the recipient cashing it.What about that check you got from a company for your freelancing work?If you’re not sure whether the check can be cashed, it’s often better to go back to the check writer and ask that a new check be written. There are also important etiquette questions when it comes to cashing old checks, says Jacqueline Whitmore, an etiquette expert and founder of The Protocol School of Palm Beach in Palm Beach, Florida.Before trying to deposit an old check, consider where it comes from and how likely you think the check is to bounce or that the giver has put a stop-payment order on it.Is that checking account of your neighbor likely to still be open or have enough money to cover the check?What’s a grandmother—and a grandson—to do when cashing old checks?Every year, untold millions of dollars’ worth of checks go uncashed.“Some people believe, ‘Oh, my Lord, I waited one week too long and now I lost out on that money,'” Graham says.“Just because I have a check that says ‘void’ after a certain amount of days, that money is still owed to me.” However, gambling on whether a bank will accept an old check is a risky game.

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