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Then banks just are communicating electronically instead of transferring the checks from bank to bank.

If someone holds your check for 16 days they get the money the day your check is cashed, and your account is debited the day it is cashed.

But just about anything with the right signature on it is properly payable, including post-dated and overdrawn checks.

Post-dated checks are a risky form of do-it-yourself credit.

Now, if you show up to deposit a check that's five years old, it's likely the bank won't accept it. But it depends on the mood of the teller and whether he or she even catches it.

Each bank could have its own policy on dates; you should ask your bank if you're interested.

Unfortunately, a lot of people may have no idea that they don’t have to just suffer through repeated harassing phone calls, threats of arrest, or other types of abusive debt collection activities.

She insists that not only her bank told her that, her friend's bank told her friend the same thing. Edited to add the part about having enough to cover it on the day the check is dated.--------------------Assume that all my posts will be edited at least once.

Besides the fact that this just doesn't make sense, I looked at the law FAQ on the Federal Reserve site and Consumers Union site. Dyslexic -- can't spell, can't type, can't proofread. As I understand it the new Check 21 Law just makes it easier for checks to clear the same day that you write them.

A friend is trying to tell me that the Check 21 Law gives banks the right to debt your account based on the day you wrote the check, not the date the recieving bank clears it.

According to my friend, if you write a check and date it Nov. 17th, your bank can debit it from your account on Nov 1 and hit you with an NSF charge if you didn't have enough cash in the bank to cover it on Nov 1.

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