What are the legalities of a post-dated check?

[bUU]

Originally Posted by jimazee

Gee, never woulda thought of that

You asked. However, the point about the state date is important. That's probably the only operational aspect of this: Banks will reject checks that are old, according to the date indicated on the check and their own policies.

It should be noted that the legacy requirement had the text amount prevailing over the numeric amount. If there was any legality behind the prior primacy that has not changed, as far as I have heard. In practice, today - with regard to date, payee, amount, signature, and restrictive endorsement - it's probably "whatever" goes, until someone raises a concern, and then things revert back to the legacy requirements.

[blue dog Democrat]

I have accepted post dated checks and have no problem holding them.

I would rather hold a post dated check than have someone say...........'"can I pay you in 2 weeks"..... and I have to chase them down to get paid.

[JONOV]

Originally Posted by jribe

sorry but you have no recourse. You're actually not even supposed to write a post-dated check though. Most banks would deny it, but of course if they miss it they won't be under any fault.

My personal and anecdotal experiences are that the bank doesn't look at the date at all.