A bank is not beholden to a customer’s printed “void after 90 days” notice on a check unless it’s in the terms of the banking account, a state appeals panel has ruled. “[B]ank customers run tremendous risks if they do not reconcile their bank statements in a timely manner,” 1st District Appellate Justice Mathias W. Delort wrote in a 12-page opinion published Monday. In July 2010, Dr. Federico Aliaga issued from his business’ BMO Harris Bank account a $50,000 check to his …