re: Post dated check still cashed early

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Generally, a bank is permitted to cash your check when it receives it, even if the check is paid before the date on the check and even if it causes the check writer to incur bounced-check fees.

The only way you can spare yourself from having the check cashed early is by notifying the bank in advance. The law requires you to describe the check with reasonable certainty, including providing your account number, the date on the check, the check number and amount, and the name of the person or company named on the check. And you have to make sure you provide all this information before the bank receives the check. The problem, however, is writing a postdated check may violate your customer agreement with the bank.

That means you may be able to keep a specific check from being cashed, but the bank could also force you to close your account. The whole thing can get very messy. My advice: Avoid writing postdated checks. If you do, make sure the person you give it to can be trusted - and understands exactly when to cash the check.

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