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The Commonwealth Bank of Australia ‘s rules and conditions for cheques This is known as a post-dated cheque and it cannot be paid until that date arrives. If a Canadian financial institution inadvertently accepts and processes a cheque before the due date, the cheque writer may ask his or her financial institution to return the amount until the day before the cheque should have been cashed.

Post-dated cheques are common and enforceable. A “post- dated cheque” is only a bill of exchange when it is written or drawn, it becomes a “cheque” when it is payable on demand. The post-dated cheque is not payable till the date which is shown on the face of the said document. It will only become cheque on the date shown on it and prior to that it remains a bill of exchange under Section 5 of the Act. As a bill of exchange a post-dated cheque remains negotiable but it will not become a “cheque” till the date when it becomes “payable on demand”.

The two major issues before the courts are: UK[ edit ] In the UK the legislation is clear; ‘A cheque is a bill of exchange drawn on a banker payable on demand’. However, a bank may refuse to honour a cheque if the post-date is noticed; otherwise, the payer has no right to take any form of legal action against the bank for letting the cheque be processed. According to the Comptroller of the Currency: The retailers will usually accept post-dated monthly cheque payment installments up to several months in advance allowing their customers to pay for expensive goods as a sort of a line of no interest credit.

Review [Updated January 2018]

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