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If you write in the date yourself you may fall foul of your bank's fraud prevention procedures.
Bank tellers handle hundreds or even thousands of checks on a daily basis.
Banking laws in every state are based on the Uniform Commercial Code.
Legally, banks can honor post dated checks at any time regardless of the date on the item.
In fact, in some states, a check payee can claim damages if a bank refuses to pay a post dated check.
You can then cash it or deposit it as long as the check writer signed it and properly filled out the amount and the payee line.
Check fraud is a major issue for banks, as it results in losses for both consumers and financial institutions.
Banks are sensitive about dates on checks due to stale dating and post dating laws.
There isn't anything in the Uniform Commercial Code saying a check has to be dated.
Inconsistencies in handwriting or ink color can cause a teller to flag a check as a fraudulent item.
Legally, a bank can refuse to cash a check if there is reason to suspect fraud.
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