Predating checks

Then, I spoke with a friend who happens to be a Chase banker, who generalized what a teller would do if a customer came in to deposit or cash a post-dated check before the date shown.

Your request should include the recipient's name, your account and check numbers, and the check's amount.

Check recipients can either decide to accept or not accept a post-dated check.

A recipient can also check with her bank to see if it will cash it before the check's date, which the bank should not do if the writer has requested it doesn't. In West Virginia, for example, the law prohibits someone from requesting or accepting a postdated check if he intends to deposit or cash it before the check's date.

Since it requires the bank to take similar steps to a stop-payment on a check, the bank might charge you a fee for requesting that it ensures postdated checks are held until the right date.

Most state laws say that if you notified your bank about a post-dated check in writing a reasonable time before it receives the check, your bank is legally required to honor your request for six months or the bank will be liable for your fees.

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