Postdating a check

Our research, news, ratings, and assessments are scrutinized using strict editorial integrity.Our editorial staff does not receive direction from advertisers on our website or our Partnerships Team.So you have the opportunity to get out in front of it, let the payee know, and then offer to make good on the check.

The rent check of 5 cleared, but wiped out my balance, which was supposed to cover other checks and ATM withdrawals. One section, Article 4, 4/401(c), says: "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 [such as stop payment] to the bank of the postdating."As far as whether it's illegal to postdate a check, it's not.

Immediately contact the payee to let them know your check has bounced.

In most cases you will know about it before the payee does.

You think to yourself, as long as the check doesn’t clear until then, you will be fine, so you postdate the check for the fourth. Postdating a check to a later date is not illegal, but the check recipient is not legally bound to wait until the postdate to cash it.

You check your account the next day and find that not only did the landlord deposit your check, but it also cleared your account, triggering another unforgiving overdraft fee. The involved financial institution is not obligated to delay processing it unless the check writer provides a note on the postdate.

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If you wrote a check at a grocery store, the store would physically deposit the check at the end of the business day or early the next day.

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