Many people don’t know this, but you can actually skip checks when you’re writing them. This can come in handy if you need to write a check but don’t have enough money in your checking account to cover the full amount. By skipping a check, you can postdate the check so that it can’t be cashed until after you’ve deposited enough money to cover it.
Of course, there are some risks associated with skipping checks. First of all, the check might get lost or stolen before you have a chance to deposit money to cover it. Additionally, if the recipient of the check tries to cash it before the date you’ve specified, their bank might charge them a fee. For these reasons, it’s always best to make sure you have enough money in your account to cover any checks you write.
What is a Skip Check?
A skip check is simply a check that has been postdated—that is, the date on the check is in the future. By writing a skip check, you’re essentially telling the recipient that they can’t cash or deposit the check until a specific date. This can be helpful if you need to write a check but don’t yet have enough money in your checking account to cover it.
Keep in mind that there are some risks associated with writing skip checks. First of all, if the check gets lost or stolen before the specified date, someone could potentially try to cash it and drain your account. Additionally, if the recipient of the check tries to cash it before the date you’ve specified, their bank might charge them a fee for doing so. For these reasons, it’s always best to make sure you have enough money in your account to cover any checks you write—skip or otherwise.
How to Write a Skip Check
Writing a skip check is actually quite simple. Just follow these steps:
1. Draw a line through any pre-printed language on the check (e.g., “Pay to the order of”).
2. Enter the name of the recipient in the “Pay to the order of” field.
3. Enter today’s date in the “Date” field (this is important—more on that below).
4. Enter the dollar amount of the check in both numeric and written form (e..g., “$50” and “fifty dollars”).
5. Sign your name in the “Signature” field.
6. In the memo section at the bottom of the check, write “Postdated.”
7.’Postdate’ means to mark something with a date later than its actual or expected date . So for example , Today I postdated my rent cheque for next week . It will not be considered late as long as I put next weeks date on my cheque , even though I’m handing it over today . It gives me an extra week or two before its technically due without being considered late . As long as its dated correctly and hasnt already been used / canceled , postdating should work just fine .
Conclusion:
In conclusion, while you can technically skip checks by postdating them, there are some risks involved—namely, that the check could get lost or stolen before you have a chance to deposit money into your account to cover it. Additionally, if someone tries to cash one of your skip checks before the specified date, they may be charged a fee by their bank. For these reasons, it’s always best practice to make sure you have enough money in your checking account before writing any checks—skip or otherwise!
