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Some of the biggest banks, for example, note specifically that they can honor checks that are made out for future dates.The Uniform Commercial Code, a collection of business laws adopted or adapted by many states, gives financial institutions the right to process a correctly written check with a future date.Hintz says that only criminal intent, such as intentionally not having enough money for a payment, can be grounds for check fraud.If you are concerned about overdrafting — and you’d rather not deal with a returned check and your landlord’s ire — consider switching to a bank with a solid overdraft policies.Two potential reasons for this include: In most cases, you can deposit or cash a postdated check at any time.Debt collectors may be prohibited from processing a check before the date on the check, but most individuals are free to take postdated checks to the bank immediately.
If you’re unwilling or unable to pay your bank to monitor your account, you’re at the mercy of whoever you give the check to.All of these charge lower than average overdraft fees and offer free ways to avoid that fee while still paying your bills.» MORE: How to cancel a check It’s risky to rely on postdating or processing delays to ensure your check clears.A postdated check is a check with a future date written on it. But you could just as easily postdate it a week and write Jan. People usually postdate checks when they want the recipient (the person or business receiving the payment, also known as the payee) to wait before depositing the check.
In general, you’d put the current date of January on the check.
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