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.The bank’s not responsible, since the law lets banks cash post-dated checks before the date on the check.You could go after the person you wrote your check to, on the grounds that he broke an agreement to hold off on cashing the check.That would include any bank fees and damages caused by an improperly overdrawn account.
What happened (did you ever encounter any problems with it)?
One noteworthy topic had to do with post-dated checks and what happens to them when you attempt to deposit or cash the checks before the date written on them. If I were to post-date a check, it would probably be because I don’t yet have enough funds in my account to cover the check amount.
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.
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.” 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.
Be prepared for the possibility that the check funds won’t be available.