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But I also can't imagine there is a person that manually reads every check that comes in, looking at the date. If no, how does the bank verify the date, or do they not?
No specific country, I'm interested in hearing how ANY country's bank handles this.
The habit of post-dating cheques goes back to when the only means of payment was by cheque or cash; i.e.
before the advent of automated payments such as Direct Debits and standing orders.
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.
As noted in another question, banks have different policies regarding post-dated checks before the post-date, although it seems most will accept the check as long as the check issuer hasn't contacted the bank.
Because this was an accepted payment method, the receiver of the cheque had a system in place for making sure that the cheques were not paid in before the intended date.
However, very few people have these post-dating systems in place now as there has been a move to automation, so any post-dated cheques they receive tend to all be paid in at the same time, running the risk of being returned unpaid.
Many banks state in their terms and conditions that post-dated cheques should not be written while some include a note at the front of chequebooks, advising that post-dated cheques should not be written.
If the bank does not spot that the cheque has been post-dated the cheque would be paid before you intended it to or even returned unpaid if you have insufficient funds in your account – potentially incurring charges for you.
No, the law has not changed – it is the way we pay that has changed.
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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.