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Obviously, there are situations in which it would be impossible or impracticable to tender the check on exactly the day it is due and will be covered, since I was in Bishkek on that day.
But what are the legal rights of a person who tenders a post-dated check?
Case in point: Before going on an overseas trip, I paid my rent with a post-dated check, because I wasn't sure if there would be funds in my account to cover it before the first of the month.I got back and discovered that the rental office had cashed my check early, it had been accepted by the receiving bank, and was even cleared by my own bank before the date on the check.It did clear, there was enough balance in my account, and when I brought it to the attention of my rental office, they said they would have done the honorable thing and made good any penalties that would have arisen from their oversight.Federal lawdoes not provide a minimum time period within which you notify the bank.
You should do it as soon as possible to allow the bank time to process the instructions.You should also describe the check to the bank with reasonable certainty.