When to Encash Post Dated Check?

Yes. Banks and credit unions generally don't 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. Contact your bank or credit union to learn what its policies are.

When can a post-dated check be cashed?

Postdated checks can usually be cashed or deposited at any time unless the person who wrote the check specifically told their bank not to honor the check until a certain date. Rather than writing a postdated check, it may be better to use online payment services or coordinate with your biller to move back the due date.

What happens if a post-dated check is cashed early?

Post-dated Cheques Cashed Early

Banks have processes in place to look for post-dated cheques and do their best to make sure they aren't processed early. ... The cheque can be returned and the amount credited back to your account up to the day before the date written on the cheque.