Rules post dating bank checks
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.
If you’re running a little short of cash before payday, yet you need to pay a bill, you may be tempted to solve the problem by writing your check, but dating it for after the day you get paid – when you know you’ll have money in the bank.
Many people post-date checks for everything from car payments to rent, and they think they’re safe because the bank can’t cash the check before the date written on it, right? If you try this ploy you could end up with an overdrawn checking account, an angry payee and a ding to your credit.