How to Stop Postdated Checks

Stop payment on postdated checks by contacting your bank.

Postdated checks are written to pay for goods or services at a later date. If attempts to resolve payment issues directly with the merchant or vendor are unsuccessful, contact your bank.



Banks have different rules regarding stop payments on both conventional checks and electronic transfers, and the rules are disclosed to consumers when the account is opened. The rules may also vary depending on state regulations.

Things You'll Need

• Check information

Instructions

1. Locate the deposit account agreement from your bank. This disclosure is provided when a new account is opened. If you do not have a copy, go to the bank website and download the agreement.

2. Consult the agreement for your bank's stop payment and electronic transfer disclosures. Each bank creates its own rules concerning stop payments. Rules on how much notice should be given and fees for the service will vary.

3. Contact your bank. Provide the check number, amount and name of the person or business to which the check was made out.

Tips & Warnings

• If your bank statement shows a check was honored that you did not authorize, you have 60 days from the date of statement to dispute the debit with your bank.

• Be cautious of potential electronic funds transfers or withdrawals from companies. Banks may have different rules for electronic payments.

References

• Federal Trade Commission: Electronic Banking
• U.S. Bank: Deposit Account Agreement
• Chase: Account Disclosure: Rules and Regulations
• National Check Fraud Center: Other Check Problems