Difference Wiki

Stale Cheque vs. Post Dated Cheque: What's the Difference?

Edited by Sawaira Riaz || By Sara Rehman || Published on December 9, 2023
A stale cheque is a check that's past its validity period (typically 6 months), while a post-dated cheque is written with a future date and can't be cashed until that date.

Key Differences

A stale cheque is one that has exceeded its validity period, usually six months after its issue date, and is therefore not honored by banks. On the other hand, a post-dated cheque is issued with a date in the future, indicating that it should not be processed until that date.
Sara Rehman
Dec 09, 2023
Banks typically reject stale cheques due to the risk of fraud or insufficient funds. In contrast, a post-dated cheque is held by the bank or the payee until the specified date arrives.
Sara Rehman
Dec 09, 2023
Stale cheques often result from the payee forgetting to deposit or cash the cheque within the validity period. Post-dated cheques, however, are intentionally dated in the future, often for reasons like ensuring funds are available or aligning with future financial obligations.
Sawaira Riaz
Dec 09, 2023
Presenting a stale cheque can lead to financial complications or misunderstandings, as the cheque is no longer valid. Presenting a post-dated cheque before its date may lead to it being returned or the drawer facing legal implications for issuing a cheque without sufficient funds.
Aimie Carlson
Dec 09, 2023
The drawer of a stale cheque may need to issue a new cheque, while the payee needs to request this. In the case of a post-dated cheque, both parties are aware of the future date, and the payee must wait to deposit or cash it.
Janet White
Dec 09, 2023
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Comparison Chart

Validity

No longer valid after a certain period (typically 6 months)
Valid only from a future specified date
Sara Rehman
Dec 09, 2023

Bank Handling

Rejected by banks
Held until the specified future date
Sara Rehman
Dec 09, 2023

Reason for Issuance

Due to delay in depositing or cashing
Intentionally dated in the future for various reasons
Sawaira Riaz
Dec 09, 2023

Legal and Financial Impact

Can lead to financial complications or need for re-issuance
Early presentation may lead to legal issues or return
Sara Rehman
Dec 09, 2023

Drawer and Payee Management

Drawer may need to reissue, payee must request new cheque
Payee must wait to deposit or cash, drawer ensures fund availability
Sara Rehman
Dec 09, 2023
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Stale Cheque and Post Dated Cheque Definitions

Stale Cheque

A cheque that is too old to be honored by the bank.
She had to request a new cheque after the original one went stale.
Harlon Moss
Nov 26, 2023

Post Dated Cheque

A cheque with a date in the future, not valid until that date.
He wrote a post-dated cheque for next month's rent.
Sara Rehman
Nov 26, 2023

Stale Cheque

A cheque that is no longer valid due to passing its validity period.
The bank refused the stale cheque as it was older than six months.
Sara Rehman
Nov 26, 2023

Post Dated Cheque

A cheque used as a promise for payment on a future date.
She received a post-dated cheque as assurance for the loan repayment.
Sawaira Riaz
Nov 26, 2023

Stale Cheque

A cheque that becomes outdated after a certain timeframe.
He found a stale cheque in his drawer that was issued last year.
Sara Rehman
Nov 26, 2023

Post Dated Cheque

A cheque that defers payment to a specified future time.
The contractor accepted a post-dated cheque for the completion of work.
Sara Rehman
Nov 26, 2023

Stale Cheque

A cheque that loses its legal force due to lapse of time.
The account holder was asked to reissue a cheque as the original had become stale.
Aimie Carlson
Nov 26, 2023

Post Dated Cheque

A cheque issued to be cashed or deposited at a later date.
The post-dated cheque was set for the day his salary would be credited.
Sara Rehman
Nov 26, 2023

Stale Cheque

A cheque not cashed or deposited within the prescribed period.
The stale cheque was returned as it had exceeded the six-month validity.
Sara Rehman
Nov 26, 2023

Post Dated Cheque

A financial instrument dated later than the day of writing.
To manage his cash flow, he often issued post-dated cheques to suppliers.
Harlon Moss
Nov 26, 2023

FAQs

Why do cheques become stale?

They become stale due to non-presentation within the specified validity period.
Sara Rehman
Dec 09, 2023

Can a stale cheque be revalidated?

Yes, the issuer can revalidate it by writing a new date and signing near the old date.
Sawaira Riaz
Dec 09, 2023

What is a stale cheque?

A cheque that hasn't been cashed within a specific time frame, typically 6 months from the date of issue.
Sara Rehman
Dec 09, 2023

Is a stale cheque illegal?

No, it’s not illegal but it cannot be processed until revalidated.
Sara Rehman
Dec 09, 2023

What is a post-dated cheque?

A cheque written with a future date, not valid until that date.
Aimie Carlson
Dec 09, 2023

Can a post-dated cheque be cashed early?

Generally, no, it should be cashed on or after the date written.
Sara Rehman
Dec 09, 2023

How can I avoid a cheque becoming stale?

Cash or deposit it before the expiration of the validity period.
Sara Rehman
Dec 09, 2023

What happens to a stale cheque?

It is not honored by the bank and is returned to the payee.
Janet White
Dec 09, 2023

Can a stale cheque be cashed?

No, it cannot be cashed unless revalidated by the issuer.
Harlon Moss
Dec 09, 2023

Can a bank automatically revalidate a stale cheque?

No, revalidation must be done by the issuer.
Sara Rehman
Dec 09, 2023

Do banks verify the date on a post-dated cheque?

Yes, but accidental early processing can occur.
Janet White
Dec 09, 2023

What is the typical validity period of a cheque?

Usually 6 months from the date of issuance.
Sara Rehman
Dec 09, 2023

Is issuing a post-dated cheque legal?

Yes, it’s legal but commitments tied to the cheque are subject to its date.
Aimie Carlson
Dec 09, 2023

What happens if a post-dated cheque is cashed early?

If funds are insufficient, it may bounce, causing fees or legal issues.
Sara Rehman
Dec 09, 2023

How long is a post-dated cheque valid?

Typically 6 months from the written date, unless otherwise specified.
Janet White
Dec 09, 2023

Can I stop payment on a post-dated cheque?

Yes, by requesting a stop payment with the bank before it’s cashed.
Harlon Moss
Dec 09, 2023

Can a post-dated cheque be cancelled?

Yes, by notifying the bank before the cheque's date.
Harlon Moss
Dec 09, 2023

Is a post-dated cheque a guarantee of payment?

No, it’s subject to account funds being available on the specified date.
Harlon Moss
Dec 09, 2023

Are there charges for revalidating a stale cheque?

It depends on the bank’s policy.
Harlon Moss
Dec 09, 2023

Why use a post-dated cheque?

To defer payment to a future date, often for financial planning.
Aimie Carlson
Dec 09, 2023
About Author
Written by
Sara Rehman
Sara Rehman is a seasoned writer and editor with extensive experience at Difference Wiki. Holding a Master's degree in Information Technology, she combines her academic prowess with her passion for writing to deliver insightful and well-researched content.
Edited by
Sawaira Riaz
Sawaira is a dedicated content editor at difference.wiki, where she meticulously refines articles to ensure clarity and accuracy. With a keen eye for detail, she upholds the site's commitment to delivering insightful and precise content.

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