We have an in-expiring date on our stop payments we set up for in-house accounts such as bank cashier's checks, operating fund, etc. We thought about changing those to expire in 2 years instead. Also we have our consumer ACH stop payments as un-expiring and thought about changing those to expire in 5 years. We understand the liability if an ACH does comes thru their account and they have placed a stop payment and we remove the stop payment.

What does your bank do in these situations?

You have stop payments on your cashier's checks? Are they only for checks covered by UCC 3-312?