Is post dating checks illegal in florida

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.

To do this you will need the recipient’s account name and number, and sort code.

I recently wrote a post dated check to my propane provider.

I asked them if they could hold the check for one (1) day and they agreed. The next morning I checked my bank statement online and found that they had deposited the check the previous day and it...

Businesses should speak to their bank for more information.

Some banks advise customers at the front of their chequebooks not to write post-dated cheques while many state in bank account terms and conditions that post-dated cheques should not be written However, as this is a competitive matter the banks themselves decide how best to communicate with their customers.

If the bank does not spot that the cheque has been post-dated, the cheque would then probably be paid before you intended or returned unpaid if you have insufficient funds in your account.

This could potentially incur you charges and cause inconvenience to the recipient.

If the payer’s account is closed, the paying bank would not be obliged to honour the cheque and you would need to ask for payment by another means.

Our advice is that you shouldn’t post-date cheques because it is likely to be against the terms and conditions of your bank account.

Different banks have different policies, but the majority of banks discourage the practice of post-dating cheques.

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.

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