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Post dated cheque

Sala · 2014-12-18 12:42:19

Can you lodge a post dated cheque early? Work won't pay us for Christmas early and the pay day the banks are closed. Will it be sent back, or would it clear on the day it is dated, or only be processed on that date... and so clear three days later?

18-12-2014 12:42pm

#1

Sala

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Can you lodge a post dated cheque early? Work won't pay us for Christmas early and the pay day the banks are closed. Will it be sent back, or would it clear on the day it is dated, or only be processed on that date... and so clear three days later?

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Comments

#2 18-12-2014 1:13pm

P. Breathnach

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Technically, if it's post-dated, it's not a cheque at all; it's a "bill of exchange". When the date on it is reached, it can be dealt with as a cheque.

The bank will not allow it to be lodged early (unless the date is not noticed by a teller or a machine). I'd expect that if you did manage to smuggle it into the system, things would backfire and you might be hit for fees/charges for dealing with the situation.

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