Post dating employee checks
Federal and state banking laws do not prevent banks from cashing checks prior to the date printed on the check.In some situations, you can sue your bank for damages if a bank employee cashes a check prior to the date written on it but bank employees do not violate any laws when they cash post dated checks.If you really want to cash a postdated check for the full amount, take it to the bank that issued the check which is where the check writer has a checking account.However, a rejected payment (or an unexpected withdrawal from your checking account) can cause numerous problems.
However, even if your employer does post date your check, you can often negotiate your check on the day that you receive it.Find out if the check was intentionally postdated, and figure out a solution. Most people don’t do this, in part because of the additional fees to monitor the account and prevent payment before the specified date. Because there’s a possibility it won’t clear, you might have better luck depositing those checks.That allows your bank to place a hold on the funds instead of handing over cash immediately.This guide explains what can be covered in a background report, your rights under the federal Fair Credit Reporting Act (FCRA), and what you can do to prepare for a background check.It also explains your right to get a copy of a background check and what to do if your report includes inaccurate or incomplete information.