Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. For example, it prohibits debt collectors from accepting checks postdated more than five days away, unless the debt collector has notified the check writer in writing it will do so. (2) This section shall not be construed as creating an exception to section 1 of 1917 PA 354, MCL 450.681, or section 916 of the revised judicature act of 1961, 1961 PA 236, MCL 600.916. You did not misrepresent anything, because you truthfully told the tech support contractor that funds were not immediately available but would be on the date that you post-dated the check. This article discusses general laws about checks, post-dating, and the parties’ rights. Incidentally, the tech support contractor’s conduct may be edging into extortion. Now, I learn that he immediately tried to cash the check and it was refused by the bank! Even with a future date appearing on the check, the check could clear (be paid from) the bank account prior to that date. ; The Final Grades page is displayed. This means you likely cannot take advantage of the protections afforded by Section 4-401. However, I do expect to have those funds by the date written on the check. Some have received the checks post-dated, meaning they can't cash them until the date on the check. Post-Dated Check A check dated for one or more days after it is written. This is usually done to account for an anticipated delay in deposit. I also post-dated the check one week. 5” on the check. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. What is a Post Dated Check? “But, we’ll tell them that it may bounce if the person writing the check doesn’t have sufficient funds in their account.”. A bank may in some cases pay a post-dated check before the date on the check unless the customer notifies the bank not to pay it. That’s how PDC’s work. Click the Submit button. I asked that he not cash the check for a week because I would not have enough funds in the account until that time. I turned to Wells Fargo and Chase to help me answer that question. I own a small business. M&T Bank EZChoice Checking Account Review, Find the Best Checking Accounts in Illinois. ; If there are more than 25 students in the class, click the next Record Sets link to work with the next 25 students. Although worthless check laws can vary somewhat from one state to another, all states make it illegal for a person to write a worthless check with the intent to defraud a person or business of goods or services. He called me and said, “Check fraud is a crime!” and he’s going to file a complaint against me. Although it is legal to post-date a check, the bank to which the check is presented for payment may charge the payor’s account even before the date of the check and even if doing so creates an overdraft. In banking, a post-dated cheque is a cheque written by the drawer for a date in the future. A negotiable instrument can be made payable “on demand” or “at a definite time.” (UCC § 3-104.) Have you ever deposited a post-dated check before the date shown? In other words, the date that appears on the check is after the date when the check was written. The PR is required to submit an "Inventory" to the probate court within 91 days of appointment. A post-dated check (PDC) is, as the term implies, a check you issue in advance to your payee, but the date indicated is some date in the future. Quick answer: Surprisingly, if a deposit is attempted, the post-dated check will go through the clearing process as normal. If there are multiple occasions of failed check deposits, the bank could even close your account and report you to ChexSystems, a consumer reporting bureau that tracks negative banking history. 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