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Unauthorized overdrafts or bounced checks may also count against your credit score.Thanks to automated payments and online banking, many of us rarely (if ever) write checks, but millions of Americans still pull out their checkbooks every day to pay their bills.

Additionally, the only time a bank can be held liable for processing a postdated check before the indicated date is if that notice is still valid.Writing a postdated (PD) check is legal in Texas and all other U. states; therefore, cashing it before the date on which it is due for payment is not legal.However, many banks do cash checks presented before the due date, and may not be held liable unless certain steps have been followed to prevent them from doing so.“[The dealer] would deposit the postdated check as stated, right? And because the bank processed the check before the date she’d written, M.’s account was overdrawn and she was hit with fees by her bank. to provide a postdated check, it also wasn’t illegal for the dealership to deposit the check or for the bank to take out the funds needed to cover that check, regardless of the date.That’s because once a check is signed it becomes legal tender, and, according to the Consumer Financial Protection Bureau, banks and credit unions can generally use their own discretion when deciding when to process a check – all without regard to the check’s printed date.




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