The bank draft is valid for one month, what should I do if I deposit it for more than one month?

To create the most professional, first, I am not very clear that the bank draft you refer to refers to refers to the bank acceptance draft or bank draft, the former belongs to the commercial draft, the latter belongs to the bank draft, I subjectively judge that you are handling the bank draft.

Second, I don't know exactly whether you are the drawer or the payee (bearer), so I will tell you how to deal with both.

According to the provisions of China's "Negotiable Instruments Law" and the "Payment and Settlement Measures" promulgated and implemented by the People's Bank of China in 1997, the provisions on bank drafts exceeding the prompt payment period are as follows:

1.Bank draft refund processing.

1) When the applicant requests a refund due to the bill of exchange exceeding the payment period (within the limitation period of the bill) or other reasons, the applicant shall submit a written statement to the issuing bank and return the bill of exchange.

Two, triptych. If the applicant has not opened a deposit account with the Bank, he or she shall also submit his/her valid identity document and a copy of his/her identity card, and the issuing bank shall confirm that the bill of exchange has not been reported as lost or has not been queried, and the other information is basically consistent, and the refund will be processed.

2) The applicant is unable to prompt payment to the ** paying bank due to the shortage of the third copy of the bill, and the letter should be prepared to explain the reason for the shortage to the issuing bank, and return the second copy, and the issuing bank shall refer to the above procedures for refund one month after the expiration of the prompt payment period.

2.Processing of payments beyond the payment deadline.

If the bearer does not receive payment beyond the payment period, and requests payment from the issuing bank within the limitation period of the instrument, it shall make an explanation to the issuing bank and submit a notice of settlement of the bill of exchange. If the ticket holder is an individual, he should also submit his or her valid identity document and submit a copy for future reference. The bank will handle the overdue payment after verifying the information.

Then this bank draft is equivalent to invalidation.

The letter should be prepared to explain to the accepting bank, the bank will check with the first joint, and after confirming that it is correct, stamp "overdue payment" on the bill of exchange, and then the bank will give you some relevant information, fill it in!The content of the letter is generally to state the reason for overdue, and the issuing bank can confirm the authenticity of the bill, but different banks have different requirements.

The prompt payment period of the bank draft is one month from the date of issuance, and if the prompt payment is more than one month, the bank will not pay, indicating that the bill has become invalid, but it does not mean that the drawer's liability for the holder of the bill is also invalid. The bearer, after making an explanation, may request the drawer to reissue the instrument or pay in other ways.

That is, the debtor's payment obligation to the creditor is two years, and if the creditor does not exercise its rights within two years, the drawer's bill liability does not exist.

You went out to buy something. You don't have to carry that much cash on you, just a piece of paper.