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The notice is effective for the period stated in Section 4-403(b) for stop-payment orders, and must be received at such time and in such manner as to afford the bank a reasonable opportunity to act on it before the bank takes any action with respect to the check described in Section 4-303.

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For instance, if you’ll be out of town when rent is due, but don’t have the funds to pay rent early, you might postdate your check.However, keep in mind that it is illegal to intentionally write a bad check; if you’re postdating it with the intention of canceling it before the date, or if you know for certain that you won’t have the funds, you could run into legal trouble.(b) A customer is not liable for the amount of an overdraft if the customer neither signed the item nor benefited from the proceeds of the item.(c) A bank may charge against the account of a customer a check that is otherwise properly payable from the account, even though payment was made before the date of the check, unless the customer has given notice to the bank of the postdating describing the check with reasonable certainty.Payday lenders in California will give you immediate cash, but they charge a huge premium for the convenience.

You can get a payday loan based on your employment history, rather than your general credit history.This article was written by Attorney Mary Beth Guard, Editor of Bankers ( Guard was formerly general counsel for the Oklahom Banking Department, general counsel and EVP for the Oklahoma Bankers Association, and EVP of Specialized Services for Thomson Financial Publishing. She teaches and speaks all over the country on banking law matters. Payday loans are a common issue in bankruptcy filings.You borrow in order to pay off other debts with the intention of repaying the loan with your next paycheck.For example, a check written on the 14th of the month but dated for the 28th will not be cashed for another two weeks.