Old.
A bank is under no obligation to a customer having a checking account
to pay a check, other than a certified check, which is presented more
than six months after its date, but it may charge its customer's account
for a payment made thereafter in good faith.
Structure New York Laws
Article 4 - Bank Deposits and Collections
Part 4 - Relationship Between Payor Bank and Its Customer
4-401 - When Bank May Charge Customer's Account.
4-402 - Bank's Liability to Customer for Wrongful Dishonor.
4-403 - Customer's Right to Stop Payment; Burden of Proof of Loss.
4-404 - Bank Not Obligated to Pay Check More Than Six Months Old.
4-405 - Death or Incompetence of Customer.
4-406 - Customer's Duty to Discover and Report Unauthorized Signature or Alteration.
4-407 - Payor Bank's Right to Subrogation on Improper Payment.