Users' questions 

Should I Post Date My rent check?

Leia Doyle

Should I Post Date My rent check?

Contrary to popular belief, banks are under no legal obligation to the honor your request to postpone processing a check until the date written on a check. Even if you “post-date” a check for some date in the future, the payee can immediately cash the check upon receipt.

Is a post-dated check negotiable?

Postdated checks are perfectly legal, as long as they are not being used for illegal purposes. This is because postdated checks are essentially just negotiable instruments with a clause attached, where that clause does not affect the negotiability of the instrument.

Where can I cash a post-dated payroll check?

Banks will generally cash all types of post-dated checks, including personal, payroll, government, and insurance checks….Banks

  • PNC Bank.
  • Citibank.
  • HSBC.
  • Fifth Third Bank.
  • KeyBank.
  • U.S. Bank.
  • SunTrust Bank (Now Truist)
  • BB (Now Truist)

What is a stale dated check?

A stale-dated check is one that has exceeded that period. If no such statement is present on the check, most banks will exercise their right to refuse a check more than six months old. A common way to identify stale-dated checks is by reviewing regular bank reconciliations.

Can Walmart cash a post-dated check?

Unfortunately, Walmart does not cash post-dated checks. However, Walmart will cash all pre-printed checks that are not post-dated, including payroll, government, tax refund, and cashiers’ checks. Customers can cash post-dated checks at most banks, credit unions, and check cashing stores.

Is it illegal to backdate a payroll check?

Federal and state banking laws do not prevent banks from cashing checks prior to the date printed on the check. In some situations, you can sue your bank for damages if a bank employee cashes a check prior to the date written on it but bank employees do not violate any laws when they cash post dated checks.

How long before check is stale-dated?

six months
What is a stale-dated check? A stale check is one presented to a bank after a specified time, typically six months. While a stale-dated check is not necessarily invalid, banks may deem it an “irregular” bill of exchange and refuse to honor it.

Do banks accept stale-dated checks?

Banks don’t have to accept checks that are more than 6 months (180 days) old. However, banks can still choose to accept your check. Sometimes banks will still process an old check as long as the institution believes the funds are good.

Can a check be deposited before the date?

Can a bank or credit union cash a post-dated check before the date on the check? Yes. Banks and credit unions generally don’t have to wait until the date you put on a check to cash it. However, state law may require the bank or credit union to wait to cash the check if you give it reasonable notice.