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If the check is for a small sum (say, or under), you may want to chuck it.

If it’s a larger amount, give the check writer a call and ask if it would still be acceptable to cash it, says Sue Fox, the founder of Etiquette Survival, a professional-development company in Pleasanton, California. Your submission to Real Simple.com, including contact information, gives us the right to modify, use, distribute, reproduce, publish and display the submission indefinitely in all media, means, and forms without any payment to you.

The rules for postdated checks are outlined in Article 3, Section 113 of the Uniform Commercial Code.

These checks are frequently used by customers who take out payday loans.

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To write a check, fill in the current date on the line in the upper right corner, the name of the recipient in the "Pay to" field, the numerical amount next to the dollar sign ($), and the written form of the same amount on the line beneath; sign the check on the bottom right line and consider adding a "memo" about the check's purpose on the lower left line.

Incidentally, it is legal for your bank to destroy the actual checks you write, which they may do right away or after a period of time.

Note that Check 21 does directly address how quickly a bank must make funds you deposit by check available to you, although federal law already places a maximum time limit on clearance of deposited checks.

Vermont does something similar and I'm sure other states do, too.

Isn't that basically what I've done by writing in the date?