Post dated checks

[slautrs]

I post dated a check, in which the credit union cleared early. 2 questions: Is it, now, illegal to post date a check (payee agreed to)? This credit union says "I shouldn't post date a check". Like it is illegal or something!
Legally, can a bank clear that check before the date? This credit union says they process to many checks to look at dates, so it isn't thier mistake and now is charging me for bouncing other checks that would have been covered, if that check hadn't cleared before date that was written!
Please let me know, asap. THanks!

 

[HomeGuru]

I post dated a check, in which the credit union cleared early. 2 questions: Is it, now, illegal to post date a check (payee agreed to)? This credit union says "I shouldn't post date a check". Like it is illegal or something!
Legally, can a bank clear that check before the date? This credit union says they process to many checks to look at dates, so it isn't thier mistake and now is charging me for bouncing other checks that would have been covered, if that check hadn't cleared before date that was written!
Please let me know, asap. THanks!

**A: what was your specifc reason for postdating?

 

[Veronica1228]

I post dated a check, in which the credit union cleared early. 2 questions: Is it, now, illegal to post date a check (payee agreed to)? This credit union says "I shouldn't post date a check". Like it is illegal or something!
Legally, can a bank clear that check before the date? This credit union says they process to many checks to look at dates, so it isn't thier mistake and now is charging me for bouncing other checks that would have been covered, if that check hadn't cleared before date that was written!
Please let me know, asap. THanks!

No, it is not illegal to post date checks, but banks discourage it for this very reason. I believe if you check your bank disclosures, which you can pick up in their lobby, you will see that it addresses the subject of post dated checks. In the bank's view, if you issue a check today it is payable today and they are not liable for cashing it before the date written on the check.

You are liable for the fees.

 

[Trucking Mad]

Oh My!

**A: what was your specifc reason for postdating?

I would think the reason for postdating the check was clearly stated in a less obvious way as to the check BOUNCED!

 

[Trucking Mad]

Check this out!

I post dated a check, in which the credit union cleared early. 2 questions: Is it, now, illegal to post date a check (payee agreed to)? This credit union says "I shouldn't post date a check". Like it is illegal or something!
Legally, can a bank clear that check before the date? This credit union says they process to many checks to look at dates, so it isn't thier mistake and now is charging me for bouncing other checks that would have been covered, if that check hadn't cleared before date that was written!
Please let me know, asap. THanks!

Unfortunately for you the bank is correct in their process. Credit Unions, Banks, Credtit Card Co., Etc. for the most part are willing to work with you to satisfy the debt obligation you have with them, including changing the date of your monthly pymt ( which typically includes an one time charge in itself.)
Talk to the manager about this!