Can You Cash a Post Dated Check (Payroll, etc)? Yes, at These Places…

Most checks are written with the current or past date (backdating) on them. But if you’ve received a personal, payroll, or even government check that is postdated (that is, with a future date written or printed on it), are you able to cash it ahead of the official date?

Read on to find out where you can cash or deposit a postdated check, which types of postdated checks you can cash, and more.

In This Article

Can You Cash or Deposit a Postdated Check?

Despite what many people believe, it is not illegal to cash a postdated check. In fact, there are no federal regulations regarding postdated checks.

State laws vary regarding postdated checks, but according to the Consumer Financial Protection Bureau (CFPB) website, the only way to prevent a postdated check from being cashed is by giving written or oral notice to the bank or credit union the check is drawn on. Written notices are valid for six months, while oral notices are valid for 14 days.

In short, the CFPB states that banks and credit unions don’t have to wait until the date on a check to cash it. This means you can cash or deposit a postdated check as soon as you receive it.

Keep in mind that if you write a personal postdated check, the same rules apply. Your bank may cash the check, even if you don’t have the funds in your account, and you’ll be charged any overdraft fees according to your bank’s policies.

Learn more about overdraft fees in our article, How Much Can I Overdraft My Checking Account? The Answer…

Places That Cash Postdated Checks

Here’s our list of places where you can cash a postdated check, plus information on potential fees you may encounter as a non-account holder.

Banks That Cash Postdated Checks

Banks will generally cash all types of post-dated checks, including personal, payroll, government, and insurance checks.

Bank of America

BB&T

BMO Harris Bank

Chase Bank

Citibank

  • Policy: May cash postdated checks at the branch’s discretion unless a stop payment is placed on the check
  • Source: Call to customer service
  • Fees:
    • Account holder: free for checks up $5,000 drawn on Citibank
    • Non-account holder: free for checks up $5,000 drawn on Citibank
  • Find your nearest Citibank branch

Fifth Third Bank

HSBC

KeyBank

  • Policy: Will generally cash postdated checks unless a stop payment is placed on the check
  • Source: Call to customer service
  • Fees:
    • Account holder: free
    • Non-account holder: $7 per check; KeyBank Plus Centers provide select check-cashing services for non-customers at lower rates of 1.5% of the total check amount.
  • Find your nearest KeyBank branch

PNC Financial Services

  • Policy: Will cash postdated checks at the branch’s discretion unless a stop payment is placed on the check
  • Source: Call to customer service
  • Fees:
    • Account holder: free
    • Non-account holder: free for checks drawn on PNC; other fees vary by check type and location
  • Find your nearest PNC Financial Services branch

Regions Bank

SunTrust Bank

U.S. Bank

Wells Fargo

Check Cashing Stores That Cash Postdated Checks

Remember to bring a valid, government-issued photo ID to a check cashing store in order to cash a postdated check.

ACE Cash Express

  • Types of postdated checks cashed: Payroll, personal, tax refund, government, and insurance checks
  • Source: Customer service representative
  • Fees: Vary by location
  • Find your nearest Ace Cash Express

Advance Financial

  • Types of postdated checks cashed: Payroll, personal, government, and insurance checks
  • Source: Customer service representative
  • Fees:
    • Personal checks: 10% or minimum $5
    • Payroll checks: 1% – 2.99% or minimum $3
    • Government checks: 1% – 2.99% or minimum $2
    • Other checks: 1% – 5% or minimum $5
  • Find your nearest Advance Financial

The Check Cashing Store

  • Types of postdated checks cashed: Vary by location. Note that two forms of ID are required to cash checks.
  • Source: Customer service representative
  • Fees: Vary by location and check amount
  • Find your nearest The Check Cashing Store

Check Into Cash

  • Types of postdated checks cashed: Payroll, personal, government, tax refund, insurance, two-party, and loan checks
  • Source: Customer service representative
  • Fees: Vary by location and check type
  • Find your nearest Check Into Cash

CheckSmart

  • Types of postdated checks cashed: Payroll, personal, government, tax refund, insurance, business, student loan, and out-of-state checks
  • Source: Customer service representative
  • Fees: Vary by location, check type, and amount
  • Find your nearest CheckSmart

Money Mart

  • Types of postdated checks cashed: Payroll, personal, small business, government, and insurance checks
  • Source: Customer service representative
  • Fees: Vary by location and check amount
  • Find your nearest Money Mart

PLS Check Cashing

  • Types of postdated checks cashed: Payroll, personal, government, tax refund, and out-of-state checks
  • Source: Customer service representative
  • Fees: Starting at 1% of the check amount plus $1
  • Find your nearest PLS Check Cashing

Stores That Cash Postdated Checks

Food Lion

  • Types of postdated checks cashed: Government, rebate, tax refund up to $500 and payroll checks up to $1,000
  • Source: Customer service representative
  • Fees: Vary by state
  • Requirements: Valid photo ID
  • Find your nearest Food Lion

Meijer

  • Types of postdated checks cashed: Payroll and government checks
  • Source: Customer service representative
  • Check cashing fees: Varies
  • Requirements: Valid photo ID and Certegy verification (7-day waiting period)
  • Find your nearest Meijer

Places That Don’t Cash Postdated Checks

While most banks and credit unions will cash postdated checks, many stores will not. Here’s our list of confirmed places that do not cash postdated checks.

Banks That Don’t Cash Postdated Checks

We located just two regional banks that did not cash postdated checks:

Santander Bank

  • Policy: Does not cash postdated checks. However, if you have an account, you can deposit postdated checks and they will clear on the posted date.
  • Source: Call to customer service
  • Fees: Free for account holders
  • Find your nearest Santander Bank branch

TD Bank

Stores That Don’t Cash Postdated Checks

The following stores have verified, either on their website or through calls to customer service, that while they provide check cashing services, they do not cash postdated checks.

Albertsons

  • Checks cashed: Electronic (non-handwritten) checks up to $1,000
  • Fees: Vary by location
  • Requirements: Valid photo ID
  • Find your nearest Albertsons

Giant Eagle

Giant Food

Hannaford

  • Checks cashed: Payroll, government, and pension checks considered “regular income”
  • Check cashing fees: Not specified
  • Check cashing requirements: Valid photo ID and check cashing privileges (apply at customer service desk, takes up to 5 business days to process)
  • Find your nearest Hannaford

Kmart

  • Checks cashed: Payroll and government checks up to $2,000; personal checks up to $500
  • Check cashing fees: $1 at most locations; free in CT, DE, GA, NJ, NV, PA, SC, and WA; $0.50 in RI and IL
  • Check cashing requirements: Valid photo ID and free Shop Your Way membership
  • Find your nearest Kmart

Kroger

  • Checks cashed: Payroll, government, tax refund, insurance, and corporate checks
  • Fees: $3 to $5, depending on the type and amount
  • Requirements: Valid photo ID and Social Security number
  • Find your nearest Kroger

Publix

  • Checks cashed: Personal and payroll checks
  • Fees: Typically $3 – $6 per check; fees vary by location
  • Requirements: Valid photo ID
  • Find your nearest Publix

Safeway

  • Checks cashed: Payroll and government checks up to $1,499. No handwritten checks.
  • Fees: Varies by store, from $2 for every $100 of the check amount to $2.25 for every $200
  • Requirements: Valid photo ID
  • Find your nearest Safeway

Shaw’s

  • Checks cashed: Payroll and government checks up to $1,500
  • Fees: Vary by location
  • Requirements: Valid photo ID and must provide Social Security number
  • Find your nearest Shaw’s

Walmart

  • Checks cashed: Payroll, government, tax rebate, insurance, cashier’s, 401(k), and retirement checks; also MoneyGram money orders purchased at Walmart
  • Fees: $3 for checks up to $1,000; $6 for checks over $1,000 up to $5,000
  • Requirements: Valid photo ID
  • Find your nearest Walmart

WinCo Foods

  • Checks cashed: Payroll
  • Fees: $5 token fee for checks up to $500; $10 token fee for checks over $500. Tokens can be redeemed for in-store purchases.
  • Requirements: Valid photo ID
  • Find your nearest WinCo Foods

In Summary

If you need to cash a postdated check right away, you will find that most banks and check cashing stores will accommodate you. However, just a select few grocery stores will cash postdated checks. Keep in mind that you’ll need to bring a valid ID with you and pay a fee to cash a postdated check at most locations outside of your personal bank.

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