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.

What happens if I deposit my check a day early?

Function. Depositing a postdated check a day early may cause the check writers bank to attempt to pay the check immediately. If the check writer does not yet have the funds in his bank account, this will cause the check to bounce, or be returned for nonsufficient funds.

Can you deposit a check earlier than the date on it?

So, yes, you can deposit a post-dated check before the date shown, but it isnt advised. Be prepared for the possibility that the check funds wont be available. Not only do you not want to incur an insufficient funds fee, you dont want to go through the trouble of obtaining a reissued check.

Can I deposit a check earlier than the date?

Cashing a check before the date written on it is allowed. If you have notified your bank not to honor the check until a specific date, however, they may oblige.

Can I deposit a postdated check?

Postdated checks are checks written with a future date. 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.

How do I cash a post-dated check?

To cash a post-dated check, you should visit any nearby bank, credit union, or check cashing store (preferably from the list given above) along with a valid government-issued photo ID. Once there, the process of cashing the check will be similar to cashing a normal check (that is not post-dated).