found a $50 rebate that I thought I lost

[EmperorIQ]

It says that its not valid after 90 days, its been 120 days cine I received it. I remember some guy said he cashed a rebate check after it expired, and he got the money. Did the bank eventually find out and take the money back?

Also, Should I just call seagate and tell them that I never recieved it? About 4 years ago, I called a company and they just sent me another check since the last check sent out has expired.

Thanks!

 

[LukFilm]

Originally posted by: EmperorIQ
Also, Should I just call seagate and tell them that I never recieved it? About 4 years ago, I called a company and they just sent me another check since the last check sent out has expired.

 

[Mo0o]

Might as well call them

 

[PoPPeR]

my idiot sister forgot to cash a $100 check from canon. She called them and told them she hadn't received the check and they sent her another one

 

[Bassyhead]

I knew someone that cashed an expired check. Teller at the bank didn't even look. I think it will be the bank's responsibility and fault if they cash an expired check, not yours.

 

[BlackOmen]

Originally posted by: Bassyhead
I knew someone that cashed an expired check. Teller at the bank didn't even look. I think it will be the bank's responsibility and fault if they cash an expired check, not yours.

If you take it to the bank where the check is drawn and the teller cashes it, then end of story; the check is paid and they have no recourse whether or not the check is still valid.

If you take it to your bank (which does not happen to be where the check is drawn) and they cash it, then there are two possibilities:
1. The other bank pays the check and everyone is happy.
2. The other bank does not pay the check. Your bank will be charging it back to your account since they didn't get the money from the other bank.

The point: Even if the teller at your bank ignores the date and cashes, you're still liable if the bank where it is drawn does not pay the check.

You're probably just better off asking for a new check to be issued.

 

[EmperorIQ]

thanks for all the replies guys, i'm just going to call them and wait another 4 weeks.

 

[V00DOO]

Deposit the check along with your other checks using the ATM. Everything is automated therefore, the bank will not notice the 90 days expiration notice. If the bank reject the check they'll mail it back to you then call seagate.

 

[BlackOmen]

Originally posted by: V00DOO
Deposit the check along with your other checks using the ATM. Everything is automated therefore, the bank will not notice the 90 days expiration notice. If the bank reject the check they'll mail it back to you then call seagate.

Popular misconception dispelled: Deposits made at an ATM are verified by actual, honest to God, people. Everything is not automated. People deposit empty envelopes hoping to give themselves a loan until someone see this the next morning. Another favorite is todeposit a check from your account into the same account, taking advantage of the instant availability of the "deposit". Or people flat out deposit stolen checks. Trust me, it is not completely automated.

You're still counting on a teller who doesn't care or is not paying attention
OR
You're still counting on the bank on which the check is drawn to pay the check even though it is stale dated.

 

[Deadtrees]

Originally posted by: V00DOO
Deposit the check along with your other checks using the ATM. Everything is automated therefore, the bank will not notice the 90 days expiration notice. If the bank reject the check they'll mail it back to you then call seagate.

Did you really, I mean really, think banks are that stupid?

 

[V00DOO]

Originally posted by: Deadtrees

Originally posted by: V00DOO
Deposit the check along with your other checks using the ATM. Everything is automated therefore, the bank will not notice the 90 days expiration notice. If the bank reject the check they'll mail it back to you then call seagate.

Did you really, I mean really, think banks are that stupid?

I don't know, but I have cashed many many checks that weren't payable to me and I have not had one rejected. Yeah right, the bank has the man power to verify every single check that goes thru the ATM. They simply open the envelope, take out the deposit, batch them up and run them with an automated check sorter. As for empty deposit, most banks will withhold the funds for a few days. My cousin use to do that with BofA and he was blacklisted from have a bank account for many years.

 

[BlackOmen]

Originally posted by: V00DOO

Originally posted by: Deadtrees

Originally posted by: V00DOO
Deposit the check along with your other checks using the ATM. Everything is automated therefore, the bank will not notice the 90 days expiration notice. If the bank reject the check they'll mail it back to you then call seagate.

Did you really, I mean really, think banks are that stupid?

I don't know, but I have cashed many many checks that weren't payable to me and I have not had one rejected. Yeah right, the bank has the man power to verify every single check that goes thru the ATM. They simply open the envelope, take out the deposit, batch them up and run them with an automated check sorter. As for empty deposit, most banks will withhold the funds for a few days. My cousin use to do that with BofA and he was blacklisted from have a bank account for many years.

Then you're bank either has a very lenient check cashing policy or the employees don't care.

As far as verifying ATM deposits: the two banks I've been with look at each check, makes sure it's kosher and it's going into an account of the named payee. We've pulled checks for being stale dated, post dated, 2nd endorsed (so called "signing over a check"), or just plain fraudulent.

Again, the only way the OP wins is if the teller pulling the deposit misses the fact that it is stale dated and the bank it is drawn on pays the check regardless of the date.

At this point I should mention that a lot of banks pay stale dated checks when they come through for collection. That doesn't mean you should count on it.