 you'll be taking a risk that the bank might say no and that you'll be hit with a deposit item return fee that can ding you for $10 or $15. If you're unsure what to do, it might be better to go back to the check writer and ask for a new check. You might say, I found a check you gave me a while ago. It must have gotten lost in the shuffle. Is it too late to cash it? I'm really sorry for the inconvenience. I'm Greg McBride.