Post-dated checks

Your bank is wrong.

Post dated checks are commonly requested by collection agencies. The only time you SHOULD do it is when it is for a student loan. (I know Allied is a big student loan collector.)

Postdated checks are covered by the FDCPA sec 808
(2) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
(3) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
(4) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.