[eschaider]

Fair question.

Once the business is closed there should be no bank account and no bank to cash the check. Could a disreputable person find a way — no doubt they could. I would expect the check typically would end up being returned or lost in the myriad of paper associated with the closure.

If I am informed correctly, I believe a bank will not cash a check that is more than six months old or is issued to a business that has closed.