I called a Wells Fargo branch to inquire about what would happen to the post-dated check if I am the person writing the check.Ī banker said, “Generally, we would try to pay out the fund on the check even if it was post-dated. Quick answer: Surprisingly, if a deposit is attempted, the post-dated check will go through the clearing process as normal. So, I post-date the check so that the check recipient knows not to deposit that check until that date.īut what if the check recipient doesn’t listen to my instruction and deposits the check before the written date? I turned to Wells Fargo and Chase to help me answer that question. However, I do expect to have those funds by the date written on the check. If I were to post-date a check, it would probably be because I don’t yet have enough funds in my checking account to cover the check amount. When you post-date a check, you put a future date on the check with the idea that the recipient does not deposit it until that written date.įor instance, today is Jan. One noteworthy topic had to do with post-dated checks and what happens to them when you attempt to deposit or cash the checks before the date written on them.Ĭurious as to what happens when I defy the concept of post-dating, I checked with banks to their rules on the matter. Occasionally, I like to skim through Reddit’s personal finance section for any interesting money topics. Comprehensive Coverage Options Ways to Lock in Lower Homeowners Insurance Premiums How to Choose the Right Life Insurance Policy Compare the Different Types of Health Insurance Plans Popular Reviews Progressive GEICO State Farm AIG Allstate Banking Best Products Best Savings Accounts Best Checking Accounts Best CD Rates Best Money Market Accounts Best Business Checking Accounts Best Student Checking Accounts Calculate Checking Accounts 101 Emergency Savings Calculator Compare CD Rates Checking Accounts Personal Loans Best Products Best Personal Loans Best Debt Consolidation Loans Best Home Improvement Loans Best Medical Expenses Loans Calculators & Guides Personal Loans Calculator Guide to Personal Loans Guide to Refinancing Student Loans How to Consolidate Credit Card Debt Popular Reviews Upstart Payoff Sofi Lending Club Investing Best Products Where to Invest Money Best Brokerages Best Robo Advisors Read & Learn Investing 101 How to Buy First Stock How to Invest in Mutual Funds How to Pick a Financial Advisor How Much to Save for Retirement Popular Reviews Betterment Merill Edge Wealthfront Insurance Best Products Best Auto Insurance Best Home Insurance Best Life Insurance Best Health Insurance Read & Learn Figure Out How Much Auto Coverage You Need Collision vs.
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