Processing 45,000,000 checks a day is tough enough, without looking at dates.

Free chating and fucking - Post dating a check

Any check or draft that has a future date written upon it by the user.

The amount of the check will not be drawn from the account until the date written on the check.

State and federal laws cover the cashing and depositing of postdated checks, and laws vary from state to state.

It's not illegal to postdate a check, unless you're attempting to commit fraud.

Often, bank tellers don't even look at the date while handling checks.

While it's best to avoid postdating checks so you don't run the risk of getting hit with bounced check fees, you can contact the bank with a written or verbal request to hold the check until the future 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.

Debt collectors breaking these rules could face civil penalties.