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Transmitting a late payroll can negatively impact your business in several ways: Since it takes Intuit and the banks at least 2 banking days to process a direct deposit, not allowing 2 banking days means that your employees will not get paid on the date of the check.

Occasionally, I like to skim through Reddit’s personal finance section for any interesting money topics.

One recent, noteworthy topic had to do with post-dated checks and what happens to them when you attempt to deposit or cash the checks before the date written on them. If I were to post-date a check, it would probably be because I don’t yet have enough funds in my account to cover the check amount.

If you wanted to avoid it, you should stress it to the person that receives the check, or just give the check to them when you actually have the money in your account.” Upon further investigation, I found a clause in the Wells Fargo consumer account agreement (page 23) that states: So, Wells Fargo may actually try to process the check, regardless of the date that is written on the check.

Essentially, I don’t see any point in post-dating a check — it is valid from the moment that I sign it.