What is the name of your state (only U.S. law)? Alabama
My husband received a post-dated payroll check because the financial secretary at his place of employment is out of town this week. There's no concern that the money will not be present in the account--their standard practice is to keep 20k in the account at all times. We have deposited checks for the same amount since we opened our bank account in September of last year and never had an issue (besides the bank wanting to put holds occasionally on checks because of the amount). We are both going out of town today, so I went to deposit the check this morning. At first, the teller tried to put a hold on it (separate note, but this seems to be entirely up to the discretion of the teller at the window--sometimes they try to hold it, sometimes they don't) and I informed him it was a payroll check, to which he replied he'd "see what [he] can do." He then came back and said that since it was post-dated he couldn't even accept it. I'd done my research before trying to deposit it, so I knew the OCC allows for a check to be deposited even if it is post-dated, but it appears this is solely up to the bank/teller's discretion.
My concern is that, as I said, we're both going out of town, and if I try to deposit it in another city, there will almost certainly be a hold put on it that will extend into July when our mortgage and other bills are due.
Am I correct in assessing that whether to accept a post-dated check is up to the discretion of the teller receiving it? I am eight months pregnant; is it worth going down and trying to elicit some sympathy from the manager to go ahead and accept it, or am I SOL until its date (the 25th)?