In my view reliable test is always valid.
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Yes, a check does not necessarily need to have your full name on it to be valid. The important thing is that the check is made out to you or endorsed by you in order for it to be processed by the bank.
reliable is what you can depend on, accountable is what you can answer for.
No....a promissory note is not valid without a consideration.
there is no time frame or a bank draft, it is valid for as long as you have it.
A check is typically valid for six months after it is written.