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Banks won't necessarily reject any check because of the date on it.
of Cleveland, that you did not address the issue of the check in question being over six months old when it was cashed. I used to work as a teller in a couple of states where it was indeed true that after six months, the check was no longer valid and would need to be reissued. G., Cleveland A: There is no federal banking law about stale checks that indicates checks with certain dates aren't good.
There’s the incentive for banks to process a post-dated check when I want to deposit it early. As you can see, there doesn’t appear to be any major enforcement of a post-dated check, so it can just be treated as a regular check for the most part.
Each bank could have its own policy on dates; you should ask your bank if you're interested.Then, I spoke with a friend who happens to be a Chase banker, who generalized what a teller would do if a customer came in to deposit or cash a post-dated check before the date shown.Additionally, at the bank’s discretion, there could be a hold on the funds until the check clears.FICO will still factor that information into his score.To be sure whether Chase is reporting your activity or not, you should request a free copy of your credit report in a couple of months.