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The bank keeps careful records of your account and if your bank account is closed for any reason, the bank will usually inform you in writing.You are expected to know the state of your account within reason.This topic discusses what may happen when cheques are written on a bank account with non-sufficient funds.

Banks still may take a stale check for deposit, but many will outright refuse.

The bank from which the outdated check is drawn can legally refuse to honor the check and return it to the payee's bank unfulfilled. Department of Labor requires employers to honor all outstanding checks for a period of one year.

The fact that you are holding a check that will be presented to the bank for payment on a specific date places a burden on the debtor to have funds on deposit when the check is presented. In the event that the check is dishonored and the customer is sued, the existence of the check makes it harder for the customer to argue that the debt was never owed. Even if a post dated check is not honored when it is first presented, there is always the possibility that the check will clear at its second presentment, or that the creditor can tender the check to the debtor's bank on a collection basis.

There is a down side to accepting post dated checks...

You may be prosecuted by summary conviction or by indictable conviction.

Last modified 28-Apr-2016 05:52