Stop payment orders.
Even separately, each assertion is unfair, and seems to be the result of lobbying only a banker could love, but taken together, the bank's position must fail. The UCC provides a bank may charge its customer's account for a check presented more than six months after its date only if the payment is made in good faith. Consider, how could a bank even claim "good faith" after receiving the initial stop payment order? Does the bank envision a multitude of customers who chose to stop payment for only six months?
A similarly unfair situation exists concerning bank errors. A depositor has 30 days to correct an error, while a bank, depending on state law, has between years and until the end of time.
Good luck, Mr. Wilen.