Post dating a check

If you’re running a little short of cash before payday, yet you need to pay a bill, you may be tempted to solve the problem by writing your check, but dating it for after the day you get paid – when you know you’ll have money in the bank.Many people post-date checks for everything from car payments to rent, and they think they’re safe because the bank can’t cash the check before the date written on it, right? If you try this ploy you could end up with an overdrawn checking account, an angry payee and a ding to your credit.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. What rules govern this type of situation, and if we accept the premises that led up to it as necessary, how could it have been mitigated?

—got involved in a dilemma in which he wrote a check to a construction company that was post-dated, and the construction company deposited it immediately.

You postdate a check by writing a future date on it.

People typically do this when they want to give a check to someone but aren't certain they'll have enough money in their account until a certain date to cover it.

The problem, however, is writing a postdated check may violate your customer agreement with the bank. If you do, make sure the person you give it to can be trusted - and understands exactly when to cash the check.

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. Asa Aarons is a consumer reporter who appears on "News 4 You" at p.m. His special Daily News column appears Mondays, Tuesdays, Thursdays and Fridays.


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