Postdating a check law

However, it’s likely that if the paying bank spots a post-dated cheque, it will return it with the reason given as “post-dated cheque”.

This is inconvenient to both you and the person or business you’ve given the cheque to.

However the cheque would be evidence of the debt in the event of a dispute.

It is the same advice for businesses – you should not post-date your cheques.

If the bank does not spot that the cheque has been post-dated the cheque would be paid before you intended it to or even returned unpaid if you have insufficient funds in your account – potentially incurring charges for you.

No, the law has not changed – it is the way we pay that has changed.

If you want to make a person-to-person payment on a particular future date it may be preferable to set up a standing order or one-off automated payment using online, mobile or phone banking services.

Different banks have different policies, but the majority of banks discourage the practice of post-dating cheques.So the safest practice is not to write post-dated cheques at all and set up a series of standing order payments, (provided the recipient is set up to accept automated payments to their account).Or you can future date a series of online or mobile banking payments. In general, banks do not charge cheque writers for returning a cheque unpaid because it is post-dated.However, it’s likely that if your bank spots a post-dated cheque that you have written, it will return it with the reason given as “post-dated cheque”.This is likely to be inconvenient to both you and the person or business you have given the cheque to.

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