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Postdated Checks: Rules for Writing and Cashing


Cole Mayer  | 

  • Personal Finance

Table of Contents

  • 1 What Is a Postdated Check?
  • 2 Why Write a Postdated Check?
    • 2.1 Insufficient Funds or To Avoid Overdrawing
    • 2.2 Paying in Advance
  • 3 Postdated Check Laws and Rules
  • 4 Postdated Check Cashing
  • 5 Can You Cash a Postdated Check Early?

What Is a Postdated Check?

A postdated check is a fairly simple concept. Instead of writing today’s date on the check , you write in a future date. For example, if it’s January 28, and you have rent due, you might postdate a check for February 1. This could be so that your landlord doesn’t cash it until your paycheck clears, and your checking account has the necessary funds.

Unfortunately, this is not always honored by banks or the organization cashing the check. First, let’s look at why you would want to postdate a check.

Why Write a Postdated Check?

Most of the traditional reasons you would want to write a postdated check are a bit out of date; it may be easier to simply use direct deposit, electronic transfers, or coordinate directly with the payee.

The biggest reason for postdating today is that you do not have the funds in your checking account to cover payment, but you will after the postdate. This is usually because you are waiting on a paycheck. It could be to cover rent, or pay a vendor for a service, or even simply a personal check to a friend or family member.

Insufficient Funds or To Avoid Overdrawing

Most frequently, postdating a check is an effort to avoid fees. The writer is waiting for money to be deposited or for another check to clear before the payee will be able to cash without overdrawing the writer’s account. If this happens, there’s usually a few fees that are levied, such as an insufficient funds or overdraft fee (and sometimes both), and on the payee’s end, there may be a bounced check fee. Banks will often try to collect this from the writer, if possible.

The problem is that, if you are postdating a check, you already don’t have the funds for the check, let alone the fees. We’ll revisit this later.

Paying in Advance

The other major use of a postdated check is to pay for something in advance. For example, paying for a service before it is completed, like a contractor working on your house. This is more for convenience than lack of funds.

Postdated Check Laws and Rules

Postdated checks are not illegal, but writing a check you lack the funds to pay is. In other words, if you have the intent of defrauding someone by intentionally writing a check, knowing you will not have the funds on the postdate, it’s illegal.

Banks are not obligated to wait until the date on a check to cash it or deposit funds. However, if you call them and arrange for the funds to not transfer, then they are obligated. This, however, often comes with a fee of about $30 for the bank to monitor your funds.

Businesses may reject a postdated check as a form of payment. They can try to cash the check whenever they please. You should clear it with your bank and your payee before writing a postdated check — check your state’s laws and your bank or credit union’s policy before writing a postdated check. Ask the cashier, or better yet a manager, if writing a postdated check would be an acceptable form of payment. Do not be surprised if they do not allow it, however, even if it is in line with state laws.

Postdated Check Cashing

If you are the payee, cashing a postdated is the same as cashing any other type of check . Because it’s postdated, it’s a courtesy to cash it at the writer’s bank . It is just that, though — a courtesy. It’s not a requirement.

Instead, you may want to deposit the check, as banks will often allow you to make the transaction, but not actually deposit the money until the postdate. If you don’t need the money immediately, this is another courtesy to the writer, and can help keep trust between you and the writer.

Can You Cash a Postdated Check Early?

You can try to cash a postdated check early, but it may or may not work. Banks may be willing or simply ignore the date, and, as mentioned, aren’t legally obligated to delay unless they have explicit, often written instructions from the writer. Many bigger banks, however, will honor postdates as part of banking agreements. Check account disclosures for more information.

When it comes down to it, postdating a check can be risky. You need to trust the payee to not cash it until the postdate, or that the bank they use will honor the date if the check is deposited. It’s best to talk to the payee beforehand and work out an agreement. Find out if they would, instead, simply be willing to accept payment later. Landlords, credit card companies, and other billers may be willing to work with you to change a due date. You can also use your bank’s online bill payment service to schedule payments in lieu of writing a check. This, of course, requires that you have funds, and may only work if you were writing a postdated check for convenience.

If a check is cashed prior to the postdate, and funds are not available, be prepared for a headache and additional fees. Only rely on postdated checks if it is a last resort, and you do not have the funds available, and the payee is unwilling to work with you on when they receive the payment, as they might see holding a check as an escrow situation.


Image Source:  https://depositphotos.com/

A former newspaper journalist, Cole spends his free time reading, writing, playing video games, watching movies, and learning about every subject under the sun. He lives with his wife and daughter in Idaho. Follow Cole on Twitter: @ColeMayer42

This post was updated October 10, 2018. It was originally published October 11, 2018.

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

Sonya Bateman | Sep 29, 2018 | In: Check & Money Order Services

Hand holding pen filling in checkbook which is placed on top of 20 dollar bills

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?

  • Places That Cash Postdated Checks

    • Banks That Cash Postdated Checks
    • Check Cashing Stores That Cash Postdated Checks
    • Stores That Cash Postdated Checks
  • Places That Don’t Cash Postdated Checks

    • Banks That Don’t Cash Postdated Checks
    • Stores That Don’t Cash Postdated Checks

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.

1. Bank of America

  • Policy: Will cash postdated checks unless a stop payment is placed on the check
  • Source:  Bank of America Deposit Agreement
  • Fees:
    • Account holder: free
    • Non-account holder: $6
  • Find your nearest Bank of America branch

2. BB&T

  • Policy: Will cash postdated checks unless a stop payment is placed on the check
  • Source: Page 8 of the BBT Commercial Bank Services Agreement  and page 9 of the BBT Bank Services Agreement
  • Fees:
    • Account holder: free
    • Non-account holder: free up to $50; $8 for checks over $50
  • Find your nearest BB&T branch

3. BMO Harris Bank

  • Policy: Will generally cash postdated checks unless a stop payment is placed on the check
  • Source: Page 7 of the BMO Harris Bank Deposit Agreement
  • Fees:
    • Account holder: free
    • Non-account holder: free up to $50; $10 for checks over $50
  • Find your nearest BMO Harris Bank branch

4. Chase Bank

  • Policy: Will cash postdated checks unless a stop payment is placed on the check
  • Source: Page 5 of the Chase Bank Deposit Account Agreement
  • Fees:
    • Account holder: free
    • Non-account holder: $8
  • Find your nearest Chase Bank branch

5. 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

6. Fifth Third Bank

  • Policy: May cash postdated checks at the branch’s discretion unless a stop payment is placed on the check
  • Source: Page 3 of the Fifth Third Bank Deposit Account Rules and Regulations
  • Fees:
    • Account holder: free
    • Non-account holder: 1% of the total check amount, $4 maximum
  • Find your nearest Fifth Third Bank branch

7. HSBC

  • Policy: Will cash postdated checks at the branch’s discretion
  • Source:  HSBC Rules for Consumer Deposit Accounts
  • Fees: No fees
  • Find your nearest HSBC branch

8. 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

9. 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

10. Regions Bank

  • Policy: Will generally cash postdated checks unless a stop payment is placed on the check
  • Source: Page 13 of the Regions Bank Deposit Agreement
  • Fees:
    • Account holder: free
    • Non-account holder: 1% to 5% of the total check amount if you have a free Regions Now card
  • Find your nearest Regions Bank branch

11. SunTrust Bank

  • Policy: Will generally cash postdated checks unless a stop payment is placed on the check
  • Source: Page 22 of the SunTrust Bank Rules and Regulations for Deposit Accounts
  • Fees:
    • Account holder: free
    • Non-account holder: 1% to 3% of the total check amount
  • Find your nearest SunTrust Bank branch

12. U.S. Bank

  • Policy: May cash postdated checks at their discretion unless a stop payment is placed on the check
  • Source: Page 5 of the U.S. Bank Deposit Account Agreement
  • Fees:
    • Account holder: free
    • Non-account holder: $7
  • Find your nearest U.S Bank branch

13. Wells Fargo

  • Policy: Will cash postdated checks unless a stop payment is placed on the check
  • Source: Page 26 of the Wells Fargo Consumer Account Agreement
  • Fees:
    • Account holder: free
    • Non-account holder: $7.50
  • Find your nearest Wells Fargo branch

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.

14. ACE Check 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

15. 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

16. 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

17. 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

18. 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

19. 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

20. 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

21. 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

22. Kmart

  • Types of postdated checks cashed: Payroll and government checks up to $2,000 postdated “within reason.” No handwritten postdated checks.
  • Source: Customer service representative
  • Fees: $1; free in CT, DE, GA, NJ, NV, PA, and WA; $0.50 in RI and IL
  • Requirements: Valid photo ID and free Shop Your Way membership
  • Find your nearest Kmart

23. 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:

1. 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

2. TD Bank

  • Policy: Does not cash postdated checks. However, if you have an account, you can deposit checks that are postdated within one business day of the check date.
  • Source: TD Bank website question and answer section
  • Fees: Free for account holders
  • Find your nearest TD Bank branch

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.

3. Albertsons

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

4. Giant Eagle

  • Types of checks cashed: Personal (up to $30), payroll, and government checks
  • Fees: None specified
  • Requirements: Valid photo ID and Giant Eagle Advantage Card with check cashing privileges (requires a waiting period)
  • Find your nearest Giant Eagle

5. Giant Food

  • Types of checks cashed: Payroll and government checks
  • Check cashing fees: Typically $1 to $1.50, but fees vary
  • Check cashing requirements: Valid photo ID and Giant Food store card
  • Find your nearest Giant Food

6. Hannaford

  • Types of 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

7. Kroger

  • Types of 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

8. Publix

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

9. Safeway

  • Types of 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

10. Shaw’s

  • Types of 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

11. Walmart

  • Types of 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

12. WinCo Foods

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

Sonya Bateman | Sep 29, 2018 | In: Check & Money Order Services

Hand holding pen filling in checkbook which is placed on top of 20 dollar bills

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?

  • Places That Cash Postdated Checks

    • Banks That Cash Postdated Checks
    • Check Cashing Stores That Cash Postdated Checks
    • Stores That Cash Postdated Checks
  • Places That Don’t Cash Postdated Checks

    • Banks That Don’t Cash Postdated Checks
    • Stores That Don’t Cash Postdated Checks

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.

1. Bank of America

  • Policy: Will cash postdated checks unless a stop payment is placed on the check
  • Source:  Bank of America Deposit Agreement
  • Fees:
    • Account holder: free
    • Non-account holder: $6
  • Find your nearest Bank of America branch

2. BB&T

  • Policy: Will cash postdated checks unless a stop payment is placed on the check
  • Source: Page 8 of the BBT Commercial Bank Services Agreement  and page 9 of the BBT Bank Services Agreement
  • Fees:
    • Account holder: free
    • Non-account holder: free up to $50; $8 for checks over $50
  • Find your nearest BB&T branch

3. BMO Harris Bank

  • Policy: Will generally cash postdated checks unless a stop payment is placed on the check
  • Source: Page 7 of the BMO Harris Bank Deposit Agreement
  • Fees:
    • Account holder: free
    • Non-account holder: free up to $50; $10 for checks over $50
  • Find your nearest BMO Harris Bank branch

4. Chase Bank

  • Policy: Will cash postdated checks unless a stop payment is placed on the check
  • Source: Page 5 of the Chase Bank Deposit Account Agreement
  • Fees:
    • Account holder: free
    • Non-account holder: $8
  • Find your nearest Chase Bank branch

5. 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

6. Fifth Third Bank

  • Policy: May cash postdated checks at the branch’s discretion unless a stop payment is placed on the check
  • Source: Page 3 of the Fifth Third Bank Deposit Account Rules and Regulations
  • Fees:
    • Account holder: free
    • Non-account holder: 1% of the total check amount, $4 maximum
  • Find your nearest Fifth Third Bank branch

7. HSBC

  • Policy: Will cash postdated checks at the branch’s discretion
  • Source:  HSBC Rules for Consumer Deposit Accounts
  • Fees: No fees
  • Find your nearest HSBC branch

8. 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

9. 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

10. Regions Bank

  • Policy: Will generally cash postdated checks unless a stop payment is placed on the check
  • Source: Page 13 of the Regions Bank Deposit Agreement
  • Fees:
    • Account holder: free
    • Non-account holder: 1% to 5% of the total check amount if you have a free Regions Now card
  • Find your nearest Regions Bank branch

11. SunTrust Bank

  • Policy: Will generally cash postdated checks unless a stop payment is placed on the check
  • Source: Page 22 of the SunTrust Bank Rules and Regulations for Deposit Accounts
  • Fees:
    • Account holder: free
    • Non-account holder: 1% to 3% of the total check amount
  • Find your nearest SunTrust Bank branch

12. U.S. Bank

  • Policy: May cash postdated checks at their discretion unless a stop payment is placed on the check
  • Source: Page 5 of the U.S. Bank Deposit Account Agreement
  • Fees:
    • Account holder: free
    • Non-account holder: $7
  • Find your nearest U.S Bank branch

13. Wells Fargo

  • Policy: Will cash postdated checks unless a stop payment is placed on the check
  • Source: Page 26 of the Wells Fargo Consumer Account Agreement
  • Fees:
    • Account holder: free
    • Non-account holder: $7.50
  • Find your nearest Wells Fargo branch

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.

14. ACE Check 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

15. 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

16. 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

17. 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

18. 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

19. 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

20. 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

21. 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

22. Kmart

  • Types of postdated checks cashed: Payroll and government checks up to $2,000 postdated “within reason.” No handwritten postdated checks.
  • Source: Customer service representative
  • Fees: $1; free in CT, DE, GA, NJ, NV, PA, and WA; $0.50 in RI and IL
  • Requirements: Valid photo ID and free Shop Your Way membership
  • Find your nearest Kmart

23. 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:

1. 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

2. TD Bank

  • Policy: Does not cash postdated checks. However, if you have an account, you can deposit checks that are postdated within one business day of the check date.
  • Source: TD Bank website question and answer section
  • Fees: Free for account holders
  • Find your nearest TD Bank branch

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.

3. Albertsons

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

4. Giant Eagle

  • Types of checks cashed: Personal (up to $30), payroll, and government checks
  • Fees: None specified
  • Requirements: Valid photo ID and Giant Eagle Advantage Card with check cashing privileges (requires a waiting period)
  • Find your nearest Giant Eagle

5. Giant Food

  • Types of checks cashed: Payroll and government checks
  • Check cashing fees: Typically $1 to $1.50, but fees vary
  • Check cashing requirements: Valid photo ID and Giant Food store card
  • Find your nearest Giant Food

6. Hannaford

  • Types of 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

7. Kroger

  • Types of 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

8. Publix

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

9. Safeway

  • Types of 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

10. Shaw’s

  • Types of 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

11. Walmart

  • Types of 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

12. WinCo Foods

  • Types of 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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