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Post-dating of checks

E

Estrella

Senior member
Preface: I always forget to fully look at the checks I get when I get paid. I always look at the amount, write up the deposit slip, and deposit the check. I never pay attention to the date.

I have may times had the teller tell me she could not deposit the check, since the day on the check has not come to pass. So, I go back on the date on the check or sometime after. Presto! Money.

Meat:
So, I wrote a check. I post-dated the check for the date the funds were due, the beginning of the month. I sent the check in early and was like,"Cool, I'm a responsible adult and took care of my shit early."

I check the account online. The check had already attempted to be deposited before the date on the check. I get charged a fee for bouncing a check.

The funds are there today like they should be for the check that was supposed to be drawn upon tomorrow.

Did something change in the last month where people can cash post-dated checks?


Cliffs:
1. Post-dated check
2. Attempted cashing before date on check
3. Get charged fee for bouncing check
4. Me = Huh, WTF?!
 
The new Bank of America ATM's are really awesome because you can just put a check in the slot and it auto-senses the amount. Or if not, you can just punch it in.

I had a friend give me a post dated check.

I went to BofA and deposited in ATM with no problem.

He got pissed when he got dinged for an overdraft.

Moral: Don't post date your fucking checks
 
I've been told by multiple banks that there is no such thing as 'post dating' checks. They are processed when they are received period.
 
Once a check is written and delivered it effectively becomes legal tender. Bands are under no obligation to honour the date on the check, though many will refuse it if it's noticed.

You likely have no repercussion here, but you might as well attempt to talk to your bank.

EDIT: Seems you did get it sorted out. You're lucky, as they're not obligated to do so (AFAIK).
 
mwtgg said:
Checks are payable on demand. Don't write one when you know you don't have the money.
Click to expand...

I, of course, understand this now. Kind of hard to know differently, when absolutely everything in my experience said otherwise. So, it was never even a question.

Pesky Black Swan(s).
 
Estrella said:
Did something change in the last month where people can cash post-dated checks?
Click to expand...

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.
 
Merad said:
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.
Click to expand...

Yeah there's truth in this. Most tellers at banks wouldn't know anything about the articles of the UCC - I think Article 3 and 4 which discuss negotiable instruments and bank deposits.
 
(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.
 
I think anyone not willing to wait until the date on the check is a gigantic asshole. If they wanted you to have it now it would have been dated on whichever date it is you are receiving the check. You'll get your money either way, no reason to try and screw someone by cashing it early.


I got dinged once on a check like that with my landlord. I wasn't going to be there to pay in person so I wrote him one for the future, by that time the money for the rent would have cleared. Thankfully he's not an asshole and simply didn't see the date, so he refunded the overdraft fee.
 
I had the same thing happened. I was going out of town for 3 months so I wrote 3 postdated checks for rent and gave them to my landlord. My landlord cashed them all at once and they bounced.

I ended up going up the chain of management at the bank and learned that the date has no legal meaning. You can cash a check before the date.
 
The terms and conditions of my checking account specifically says they are not liable for cashing post-dated checks.
 
I would never try to post date a check.

I have never looked at the date on any check I have received either. They all get deposited as soon as I get them.
 
check your state's law. in texas there is no such thing as post dating a check unless the payee honors the date on the check. payable on demand.

ive ordered from a pizza place that would take post dated checks no problemo
 
MagnusTheBrewer said:
I've been told by multiple banks that there is no such thing as 'post dating' checks. They are processed when they are received period.
Click to expand...

yep. wellsfargo tells me this everytime i come in with my paycheck. they are always dated for the friday after i get paid (i get paid thursdays) to encourage you to cash it in the store. wells cashes them anyway
 
Merad said:
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.
Click to expand...

this is true, the hospital here actually deposits checks sent to my dad, who works IN the hospital but not FOR the hospital

the mail room opens things that look like payments and just places them in the deposit pile, even tho they aren't addressed to the hospital at all
 
Pretty much what everyone else has said. No one at a bank of any size checks to make sure that a.) the date has passed and b.) (especially if you're have a commercial account) that the bank is made out to the entity that holds the bank account. Automatons, all.
 
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