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31-May-2016 02:57

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While it's best to avoid postdating checks so you don't run the risk of getting hit with bounced check fees, you can contact the bank with a written or verbal request to hold the check until the future date.Since it requires the bank to take similar steps to a stop-payment on a check, the bank might charge you a fee for requesting that it ensures postdated checks are held until the right date.Your request should include the recipient's name, your account and check numbers, and the check's amount.

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You could try calling the creditors who assessed the fees and ask them to waive the fee this time. If this is the first time this has happened to you, and if your creditors are feeling generous, they may waive the fees. Ask the creditor to wait until you have the money in your account.

There is, however, one situation in which a bank can be held liable if they cash a post-dated check too soon.