Post dating a check

Some states, including California and Georgia, place responsibility on check writers to ensure their checks are not cashed or deposited too quickly.Other states, like West Virginia, place responsibility on the person the check is written to.There’s nothing wrong with post-dating a check and asking the person you owe money to hold off on cashing it.People do this all the time, and it's not against the law.Any check that's properly made out and has your signature is treated as legal tender, and the bank is free to hand over the money to the holder of the check.

Many people post-date checks for everything from car payments to rent, and they think they’re safe because the bank can’t cash the check before the date written on it, right? If you try this ploy you could end up with an overdrawn checking account, an angry payee and a ding to your credit.My friend wrote a check for the ,800, mentioned that he didn’t get paid until Friday, and requested that the construction company deposit the check a day or two after his pay day.Sure enough, the construction company deposited the check the next day, and the bank processed it and my friend had a negative -

Many people post-date checks for everything from car payments to rent, and they think they’re safe because the bank can’t cash the check before the date written on it, right? If you try this ploy you could end up with an overdrawn checking account, an angry payee and a ding to your credit.

My friend wrote a check for the $4,800, mentioned that he didn’t get paid until Friday, and requested that the construction company deposit the check a day or two after his pay day.

Sure enough, the construction company deposited the check the next day, and the bank processed it and my friend had a negative -$1,300 or so balance in his account.

Lydia Rodriguez gave her landlord a postdated check to cover the monthly rent. But most banks pay little attention to the date when a customer presents a check.

She assumed it would be at least four days - the date she wrote on the check - until the bank would cash it. "My bank cashed the check and then charged me [a] nonsufficient funds fee," the New York City woman explained. So, in practice, postdated checks are often cashed earlier than the check writers expect.

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Many people post-date checks for everything from car payments to rent, and they think they’re safe because the bank can’t cash the check before the date written on it, right? If you try this ploy you could end up with an overdrawn checking account, an angry payee and a ding to your credit.My friend wrote a check for the $4,800, mentioned that he didn’t get paid until Friday, and requested that the construction company deposit the check a day or two after his pay day.Sure enough, the construction company deposited the check the next day, and the bank processed it and my friend had a negative -$1,300 or so balance in his account.Lydia Rodriguez gave her landlord a postdated check to cover the monthly rent. But most banks pay little attention to the date when a customer presents a check.She assumed it would be at least four days - the date she wrote on the check - until the bank would cash it. "My bank cashed the check and then charged me [a] nonsufficient funds fee," the New York City woman explained. So, in practice, postdated checks are often cashed earlier than the check writers expect.The kicker is that he was simultaneously using his debit card to make other transactions unknowingly, such that he was subject to a $50 fee for each for each transaction that he entered into but technically could not fund.

,300 or so balance in his account.Lydia Rodriguez gave her landlord a postdated check to cover the monthly rent. But most banks pay little attention to the date when a customer presents a check.She assumed it would be at least four days - the date she wrote on the check - until the bank would cash it. "My bank cashed the check and then charged me [a] nonsufficient funds fee," the New York City woman explained. So, in practice, postdated checks are often cashed earlier than the check writers expect.The kicker is that he was simultaneously using his debit card to make other transactions unknowingly, such that he was subject to a fee for each for each transaction that he entered into but technically could not fund.

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