What is a post-dated check!!

A post dated check is when you write a check but date it for the day you want it to cash. So what he wanted you to do is write a check and date it for the date you get paid. I really dont know what advice to give you. If you are sure that the amount you write on the check will be available in your bank account on your payday then probably isnt a big deal.

my comments on my experience on this subject only here....

a post dated check is something a commissioned paid salesperson will try to get you to commit to if you are walking out the door..because ...if you do a post dated check or a "sales quote" you will be more inclined to return and make good on the deal....thinking you made an agreement..
a post dated check is an agreement to buy merchandise on date posted on check..if you change your mind prior to date you posted on check..you simply changed your mind...and are not obligated in any way shape or form....
when I turn in bad checks to DA in my state...first question is "Did you agree to accept a post-dated check?"--(meaning all agreements are out the window if customer changed his mind)----
I never accept a post dated check to hold anything--either you want the merchandise or you don't--if you need to think about it--come back on date you wanted to post date check for--let's leave it available for consumers who may come along and be sure about wanting to purchase..if it is available when you come back on date you wanted to post date it for--I will be more than happy to sell it to you!
it's kind of same as when consumer says "Can I give you a deposit to hold this in case I want it... while I go and look around elsewhere?" Why would any retailer accept this type of offer? maybe some do..(because I hear that statement at least 20 times a week)..our policy on holding anything..$100 deposit absolutely non-refundable..if you want me to hold it..commit to actually making the purchase....if not the deposit means nothing at all...just my take on post- dated checks and deposits on the maybe deals :D

It is not unheard of for a car dealership to deposit the check right away, it may be a bad business practice, but not illegal. In most states, post dated checks are valid as soon as you sign (except when dealing with collection agencies).

If the salesman agrees to the post dated check and says he will hold it until your payday, get it in writing. That way if it gets depostited early, you have got proof that the sales man agreed to holding the check, which could result in someproblems for him at the sales lot, I am sure.

morning do you mean they are valid starting on the date you postdated them for?..(or for example if today is
Feb 22nd and someone postdated for Feb 25th..that you can go to bank and cash it today?) I always thought they were valid beginning on date written..but perhaps my state is different with buyer's remorse issues

Be careful as the law regards a post dated check as a promissory note at least where I come from. It can not be legally stopped after the cooling off period of a contract.

Be very careful if you wrote a post dated check. If they deposit it before the date you wrote it, and their bank's teller or processor does not notice it is postdated, your bank can still process the check before the date you wrote on the check. Ask your bank for a copy of their rules and regulations booklet. It's in that bunch of info they would have given you when you opened your account (that nobody ever bothers to read). In there will be a section about post dated checks and stale dated checks. It basically releases the bank from any liability if you write a post dated check and it clears your account before the date you wrote on it. Also, many large companies will have a stack of checks they bring in to deposit, and the teller will do a batch check deposit. That's where they don't run every check through their terminal at that time. It's done in back-office where the person will probably not be checking every item they run. Another thing...since it's close o the end of the month, I bet the sales person is just wanting you to do that so he/she can make a goal or get incentive for that sale before the end of the month. Hmm....I'd say, wait until you HAVE the money then go back and write them a check.

I personally would not write a post dated check for any reason, but that's just me. A number of things could happen between the time frame you write that check and the time it's dated to be cashed.

I had a situation happen to me at my dentists office with a post dated check. The receptionist didn't write a note on it like she was supposed to & it was deposited right away. I called the bank (Wells Fargo :twisted: ) and asked them why they allowed the post dated check to go through. The explination that I received was "if a check is presented we do not look at the date...it is cashed or deposited." I called the dentists office & gave them a piece of my mind then found a new dentist.

Agreed. When writing a post dated check, they can still deposit it before the date you wrote on it. This has been addressed before. And, as you can see, some of us have experienced it. Like 2nband posted, see if you can get it in writing that they will actually hold the check. If you're just going to hand them a post dated check, they can run to the bank and deposit it before the date you want them to. Just be very careful if you're considering doing this.

After reading everyones experience here I have to say that I would definitely now advice against writting that check. I like what someone said, if you still want it on payday then buy it on payday. It also gives time to really think about the purchase which I have learned through experience and on this site is an important thing to do. I hope he comes back and tells us what he did.

Yep......this happened to me, at one time, too. I wrote a post-dated check, to someone. They said they would hold it, until the date on the check. HOWEVER...........the person took the check to their bank to get it cashed. The bank refused to cash the check, because it would post-dated for a later date. She(my friend) came to me screaming, etc. She KNEW it was post-dated!! Gosh....the entire situation was crazy! She even TOLD me it would be ok, to write a post-dated check for her. OMG!!!

Wow these posts are always so informative!!! Personal experiences always offer the best information I think...
I believe my experience with post dated checks was from a different angle...we turn in all bad checks to DA ..I called today questioning post dated checks and was strongly advised not to ever accept them.. there is some sort of law that lets them prosecute for intentional fraud..(they first look to see if money was in account on date check was written for purchase..or if transferred into account same day..)
and why they first ask if check was postdated is because you agreed to take a check someone wrote..and hold onto it until the date they made promissory note that money will indeed be there..they said banks might cash in advance by mistake but prosecution is a different matter..after you made agreement to hold check...I think most who had a post dated check cashed early could look into at least getting bank charges paid from company who deposited it before you agreed money would be in your account...not that it wouldn't take a lot of work...but I agree with so many posts here! Don't write a post dated check! Write one when you have the money in account and are sure you want to purchase..if it is for medical visit etc..let them send you a bill a month later and pay for services then!also..I thank goodness I have never written a check that bounced but must admit that once in a while.....

:D huhuhu

See if you can find someone who works at Ford Motor Credit. I know that if they find out a dealer accepted a post dated check they will not accept the loan. Something to do with that payment on top of the car payment and that being a bill that was not reported on the application. I am trying to find someone who works there so I can get more information on that.

I wrote a post dated check and the landlord agreed to hold it. She even called on my and left a voicemail asking could she deposit the check (which meant she agreed to hold it). I sent her a text message and a voicemail telling her let me give her the money instead. She deposited it anyway. I moved out of her house only 25 days after being there because of poor conditions. I contacted the housing inspectors about her premises and guess what, to retaliate she took the check to the bank and told the police I purposely wrote her a bad check. The check that she deposited for payment was not entitled to her as it was for a month that I was no longer there. The police are trying to arrest me or make me pay for something that she was not entitled to because I gave her a 30 day notice that I was moving. First, again, she is on my voicemail asking is it okay to cash the check, secondly, there are text messages that I sent to her asking her not to, and third she deposited the check after receiving my text and after me calling the housing inspectors on her. Clear retaliation. Any advice on what to do? This is unreal!!!!

In reality is is not legal to write a post dated check . I feel sorry for your plight and it is one more reason not to pd a check. I hope you find your way clear of this

It absolutely is NOT illegal to post-date a check.....hundreds of businesses do it. Another genius quoting facts he has no clue about.

guest it is necessary to put people down. This is a community and that kind of this is unwelcome