Imagine the thrill of opening your mailbox and finding a crisp, white envelope waiting for you. The anticipation builds as you tear it open, as you discover a check nestled inside. It's more than just a piece of paper; it's a tangible promise that money is waiting you when you cash it. The check might be from an employer, a tax refund, or an unexpected birthday gift from a grandparent.
While writing checks may be less popular than it used to be, 54% of Americans still wrote a check in the past year. In fact, according to a recent survey by GOBankingRates, 17% of Americans are still writing checks on a monthly basis — and 23% of Gen X Americans are still sending checks on a monthly basis. In 2021 the Federal Reserve reported $27.23 trillion in checks were written.
Now suppose in the busyness of life you forgot about the check or misplaced it, only to find it months later. You begin to wonder, is this thing still any good? If grandma had sent cash, there would be no question, since cash is always valuable. But, how long is a check good for? The check was a promise of cash, but is the promise still any good?
Most old checks aren't valid forever. A personal check is generally good for at least six months. If you don't deposit a check right away, you may not receive the money even if your bank agrees to accept the check. That's because the account the check was drawn on may have been closed or not have insufficient funds to back the check.
The bottom line is that cashing a check promptly ensures that you can access the funds without issues, such as the check bouncing or having it go stale.
Possible Preaching Angle:
This would make a good introduction to a sermon on the enduring promises of God which never go out of date, or cannot be redeemed because of insufficient funds or the account being closed. God will never refuse to honor his promises (Rom. 9:6-8, 2 Cor. 1:20). But it is a good idea to claim God’s promises promptly to begin enjoying his gift to you.
