Friend wrote postdated check that was cashed early..

[Syringer]

Apparently she wrote a check for her apt that was supposed to be post dated to January, but it turns out it was cashed in the 23rd of this month. Since then she's used her debit card a few times causing her to overdraft her account since she thought she'd had the money in there so there'll be some fees there..

She's called Wamu but she was told there was nothing she can do..is there anything she can do with the apt manager then?

 

[Sundog]

NO...postdating checks is not a smart thing to do.

 

[xSauronx]

my bank has told me post-dating isnt legal or binding or somesuch, and im thinking she would have been better off with a late fee on her rent then writing a check she couldnt cover.

however

email her banks customer service and say they made a mistake, maybe shell get some of the fees back...i did a couple of weeks ago with wachovia, and i knew damn well that i had screwed up 😉

 

[Cattlegod]

IIRC the date that is written on the check doesn't mean jack.

 

[MikeyIs4Dcats]

your "friend" is an idiot. postdating means nothing.

 

[josh0099]

If it is her 1st time over withdrawing usually a bank will refund the fees if you ask them.

 

[Baked]

I once wrote a check that's 1 year back. Ooops.

 

[Jmman]

Agree with all of the above posters. Post dating doesn't mean jack. If a post dated check is presented to the bank, they wil cash it....

 

[Eli]

WTF?

I've brought a post-dated check into a bank once(I didn't realize it was post-dated), and they wouldn't cash it.. lol

 

[littleprince]

If post dating a check doesn't mean jack to a bank, than they should take off the date field... as well as anything else they don't really care about like the customer...
It's just all a money grab.

 

[MikeyIs4Dcats]

Originally posted by: littleprince
If post dating a check doesn't mean jack to a bank, than they should take off the date field... as well as anything else they don't really care about like the customer...
It's just all a money grab.

the date and memo lines are for your use....the bank doesn't care about anything but the names and dollars.

 

[Shadowknight]

There's a lot of things people don't know about checks; one time I was filling out multiple checks for different bills at the same time and I wrote a different amount in the box on the right side than the amount in the line where you right it in cursive. They only go by the cursive section, they will ignore the box amount, and do not contact you in the case of such a contradiction.

 

[Anonemous]

Originally posted by: Shadowknight
There's a lot of things people don't know about checks; one time I was filling out multiple checks for different bills at the same time and I wrote a different amount in the box on the right side than the amount in the line where you right it in cursive. They only go by the cursive section, they will ignore the box amount, and do not contact you in the case of such a contradiction.

Really? I thought they would go by the box amount. Good to know then.

 

[KarenMarie]

when did banks start cashing post dated checks?

Around the time they realized they could make a fortune in overdraft fees, i would guess. i have never writted a post dated check, but i never heard of them being cashed before the post date before.

 

[JustAnAverageGuy]

Originally posted by: Shadowknight
There's a lot of things people don't know about checks; one time I was filling out multiple checks for different bills at the same time and I wrote a different amount in the box on the right side than the amount in the line where you right it in cursive. They only go by the cursive section, they will ignore the box amount, and do not contact you in the case of such a contradiction.

They won't honor the check if there is a significant difference.

Your definition of significant difference and the bank's is likely very different though.

 

[Soapy Bones]

i've had checks written to me at my business that were not equivalent in the box and line amounts and the bank said i had to rectify it with the check writer because it could not be cashed. But I do believe the date line is simply for our records and usually regarded as a courtesy to not cash a post dated check.