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But, what if the check recipient doesn’t listen to my instruction and deposits the check before the written date?

I turned to Wells Fargo and Chase to help me answer that question. A banker said, “Generally, we would try to pay out the fund on the check even if it was post-dated.

The Question: We've had a GM Master Card for 14 years and have purchased two cars with our "earnings," most recently in February. What can you tell us about the wisdom in closing this account?

Because I make most payments (like my mortgage) online, it’s not too often that I bust out the checkbook.

A few weeks ago, however, I wrote a check and got a nasty surprise in my bank account.

If you won’t have the funds available at the time the check is written, you might consider postdating the check.

For instance, if you’ll be out of town when rent is due, but don’t have the funds to pay rent early, you might postdate your check.