Can You Cash a Post-Dated Check (Payroll, etc)? Where? Answered

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 post-dated (that is, with a future date written or printed on it), are you able to cash it ahead of the official date?

Continue on to find out where you can cash or deposit a post-dated check, which types of post-dated checks you can cash, and more.

Can You Cash or Deposit a Post-Dated Check?

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

State laws vary regarding post-dated checks, but according to the Consumer Financial Protection Bureau (CFPB) website, the only way to prevent a post-dated 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 post-dated check as soon as you receive it.

Keep in mind that if you write a personal post-dated 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 Post-Dated Checks

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

Banks That Cash Post-Dated 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 post-dated 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 post-dated 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 post-dated 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 Post-Dated Checks

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

ACE Cash Express

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

Advance Financial

  • Types of post-dated checks cashed: Payroll, personal, government, and insurance checks
  • Source: Customer service
  • 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 post-dated checks cashed: Vary by location. Note that two forms of ID are required to cash checks.
  • Source: Customer service
  • Fees: Vary by location and check amount
  • Find your nearest The Check Cashing Store

Check Into Cash

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

CheckSmart

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

Money Mart

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

PLS Check Cashing

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

Stores That Cash Post-Dated Checks

Food Lion

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

Meijer

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

Places That Don’t Cash Post-Dated Checks

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

Banks That Don’t Cash Post-Dated Checks

We located just two regional banks that did not cash post-dated checks:

Santander Bank

  • Policy: Does not cash post-dated checks. However, if you have an account, you can deposit post-dated 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 Post-Dated Checks

The following stores have verified, through calls to customer service, that while they provide check cashing services, they do not cash post-dated checks.

  • Albertsons
  • Giant Eagle
  • Giant Food
  • Hannaford
  • Kmart
  • Kroger
  • Publix
  • Safeway
  • Shaw’s
  • Walmart
  • WinCo Foods

In Summary

If you need to cash a post-dated 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 post-dated checks. Keep in mind that you’ll need to bring a valid ID with you and pay a fee to cash a post-dated check at most locations outside of your personal bank.