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28-Oct-2017 08:37

Curious as to what happens when I defy the concept of post-dating, I checked with banks to their rules on the matter. However, I do expect to have those funds by the date written on the check.When you post-date a check, you put a future date on the check with the idea that the recipient does not deposit it until that written date. So, I post-date the check so that the check recipient knows not to deposit that check until that date.If you wanted to avoid it, you should stress it to the person that receives the check, or just give the check to them when you actually have the money in your account.” Upon further investigation, I found a clause in the Wells Fargo consumer account agreement (page 23) that states: So, Wells Fargo may actually try to process the check, regardless of the date that is written on the check.Essentially, I don’t see any point in post-dating a check — it is valid from the moment that I sign it.If there are multiple occasions of failed check deposits, the bank could even close your account and report you to Chex Systems, a consumer reporting bureau that tracks negative banking history.Now, if you’re the one writing a post-dated check, just know that it means nothing to post-date a check.

Instead, she had been bringing them to her bank and depositing the checks into her personal account, according to the criminal complaint.

But, what if the check recipient doesn’t listen to my instruction and deposits the check before the written date?

I turned to Wells Fargo and Chase to help me answer that question. A banker said, “Generally, we would try to pay out the fund on the check even if it was post-dated.

In fact, the owner of GPM Check Cashing in Pasadena, Gary Perry, told police that Haynes had been cashing similar money orders for years, and that she had told him she owned a rental property.

Park at Fairmont's corporate office, Winther Investments, initiated an audit, finding missing rent payments dating back to July 2015 and continuing through May 2017.

Instead, she had been bringing them to her bank and depositing the checks into her personal account, according to the criminal complaint.But, what if the check recipient doesn’t listen to my instruction and deposits the check before the written date?I turned to Wells Fargo and Chase to help me answer that question. A banker said, “Generally, we would try to pay out the fund on the check even if it was post-dated.In fact, the owner of GPM Check Cashing in Pasadena, Gary Perry, told police that Haynes had been cashing similar money orders for years, and that she had told him she owned a rental property.Park at Fairmont's corporate office, Winther Investments, initiated an audit, finding missing rent payments dating back to July 2015 and continuing through May 2017.There’s the incentive for banks to process a post-dated check when I want to deposit it early. As you can see, there doesn’t appear to be any major enforcement of a post-dated check, so it can just be treated as a regular check for the most part.