A signed check immediately becomes legal tender that a bank can deposit or cash before the indicated date on the check. Therefore, a bank will be able to accept a check if it is dated and signed. Ask your bank or credit union for their specific policy for postdated checks in their account disclosures.

Will banks deposit post dated checks?

Can a bank or credit union cash a post-dated check before the date on the check? Yes. Banks and credit unions generally dont 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.

Do checks have to be cashed by a certain date?

Personal, business, and payroll checks are good for 6 months (180 days). Some businesses have “void after 90 days” pre-printed on their checks. Most banks will honor those checks for up to 180 days and the pre-printed language is meant to encourage people to deposit or cash a check sooner than later.

What happens if someone cashes a post dated check?

If a bank does pay a postdated check before the checks date even though it has received proper notice from the customer, the bank is liable to the customer for any loss resulting from the bank prematurely paying the check.

How do you remove ink from a check without damaging it?

How to Remove the Writing From a CheckSet the check face down on a flat surface. Fold a couple paper towels and set them on a worktable. Dip a cotton swab into a bottle of acetone. Continue to swab the check until the ink disappears completely.

How long does it take for a bank to verify a check?

Most types of checks clear within two business days, though some banks and credit unions are speedier (jump to a list of banks that clear checks fast). Usually the first $200 of a check is made available the business day after the bank receives the check.