Post-dating of checks

[OCGuy]

 

[JoeBleed]

Everything about a check is totally dependent on the teller or person who processes the check.

In theory a check should only be valid on or after the date listed on it, and only if it has your name on it or it's been endorsed over to you.

In reality, if the check's going to a business they'll probably process it as soon as they receive it, whether it's made out to them or not. If it goes to an individual, just depends on the teller at the bank that they hand it to.

This.

I've worked places where i had to deposit checks and i've worked at places to that cashes checks, and my current job my employer has had issue with pay-roll check being handed out early. They now are very strict about when they hand out check because most banks will cash them anytime. It is all up to the bank teller.

In the past when i had to deposit checks, if the person's check didn't go past the late fee date, i'd try and hold it. If it went past the date and they didn't include the late fee, i deposited it. The bank didn't bat an eye at it either. When i had to cash checks for some customers, i'd always be very picky and never take a check that wasn't that days date or already past.

Where i work now, due to so many people cashing checks early and finance being as tight as they have been for a few years, corporate office implemented a policy indicating no one would get their check before the pay date. See before this, since we have multiple rotating shifts, if you worked the day before payday, but were off the next day, payday, you could pick up your check so you didn't have to come back out to work on payday. Well, now you have to come back to the plant to pick up you check on payday. But this did increase the number of direct deposit sign-ups.

So it is ALL up to the person(s) handling your checks. It will probably not be consistent either.

 

[JoeBleed]

Here's some advice..

don't write a check.. if you don't have money.

:thumbsup:

moral of the story,

Don't write a check your bank account can't cash

 

[911paramedic]

I think anyone not willing to wait until the date on the check is a gigantic asshole.

LMAO :thumbsup:

 

[BrunoPuntzJones]

Furthermore, it's illegal to knowingly write a check for more than you have available.

 

[Blackjack200]

(c) A bank may charge against the account of a customer a check that is otherwise properly payable from the account, even though payment was made before the date of the check, unless the customer has given notice to the bank of the postdating describing the check with reasonable certainty. The notice is effective for the period stated in Section 4-403(b) for stop-payment orders, and must be received at such time and in such manner as to afford the bank a reasonable opportunity to act on it before the bank takes any action with respect to the check described in Section 4-303. If a bank charges against the account of a customer a check before the date stated in the notice of postdating, the bank is liable for damages for the loss resulting from its act. The loss may include damages for dishonor of subsequent items under Section 4-402.

Holy shit, so I can post date a check, then notify my bank, and they are then obligated to wait for the date on the check? I never knew that.