Ante-dated Cheque-Normally, It is seen that some Cheque issued to you has the date today before or within the validity period. And these cheques can be marked as Ante-dated cheques when your cheque has a date before it is presented in the bank.
In simple words, a cheque is a transferable instrument to send and receive money without any physical transfer of cash. Hence cheque writing should do safely.
So, With the help of an Ante-dated cheque, you can encash or deposit the amount of the cheque up to the validity period of 3 months.
Contents of this post
What is the Ante-dated cheque?
Ante dated cheque is a cheque that has a date before today and can be deposited into a bank account anytime up to three months from the date of the cheque.
What is the meaning of an Ante-dated cheque?
Ante dated cheque means a cheque that has a date before today or a back date and did not expire on the cheque presented into the bank, can be deposited into a bank account anytime up to three months from the date of the cheque.
These types of cheques bear a back date of being encashed. Even if the bearer presents this cheque to the bank immediately after getting it, the bank will process the payment because the date mentioned in the cheque has been backdated. This cheque stands valid if 3 months did not expire on the presentation date.
Image of an Ante-dated cheque
How can you identify an Ante-dated cheque?
You can identify a cheque as an Ante-dated cheque when you will see a date on the cheque as backdated and not have a present date. For example- by taking the above-shown image let’s suppose today is the date-15.10.2023 but the cheque has a date- of 11.09.2023 then it will be called an Ante-dated cheque. And this cheque will be valid for up to 3 months from the date of 11.09.2023.
What are the features of an Anti-dated cheque?
These are the feature of the Ante-dated cheques-
- It is a negotiable instrument.
- It can be encashed within the validity of 3 months from the date of the cheque.
- A cheque can be any type of cheque
- You will not see the present date. It will be backdated.
- This cheque can be cleared on the date of the cheque or after the date of a cheque for up to 3 months.
- If a cheque of the current date is not deposited today then it can be used as ante dated cheque.
How do you fill out an Ante-dated cheque?
These are the steps to fill out an ante-dated cheque-
- Firstly, Take a fresh cheque.
- Then you can enter the back Date in the right top corner.
- Then enter the Recipient Name.
- Now, Fill in the amount in numbers.
- And then write the amount in words.
- Then, Sign the cheque.
- And make sure it is not a bearer cheque if the word ‘ or bearer’ is written then it should be strikeout as this “
- Then must be crossed with two parallel lines on the left top corner or anywhere on the cheque.
- And the word “A/c Payee” must be written between the two parallel lines.
What is the difference between an Ante-dated cheque and a post-dated cheque?
|points||Ante-dated cheque||Post-dated cheque|
|Meaning||This cheque has a date before it is presented in the bank. This cheque can be encashed till the completion of three months from the last date.||A post-dated cheque has a future date. This cheque can be encashed or cleared on the date of the cheque or after the date of the cheque.|
|Identification word||The date before it is presented on the right corner of the cheque.||A future date is on the right corner of the cheque.|
Who can withdraw the Ante-dated cheques?
The person whose name is mentioned over the cheque means the recipient or any third person if endorsed or authorized can encash or deposit that cheque into his account by filling out a deposit slip. It can depend on the further type of Ante-dated check that it is the bearer, order, crossed or account payee, etc. And make sure it should be presented within the 3 months from the date of the cheque.
Is the Ante-dated check an open cheque?
A cheque is generally known as an Open cheque when it is not crossed whether it is made payable to the bearer or order. So an Ante-dated cheque can be an open check if that is not crossed.
How long is an Ante-dated cheque valid?
Normally, a cheque will be valid for up to three months from the date mentioned in the cheque. Hence after three months from the date on the cheque, it will be invalid and can not be cleared in the account of the named person. whether that cheque is ante-dated or post-dated.
How can I cash my Ante-dated check?
It can be deposited into the account of the person whose name is mentioned on the cheque and the named person will be able to deposit it into his account. And then it can be encashed by a third person if the cheque is endorsed or authorized by presenting it in the bank.
Faqs on Ante-dated cheques
This cheque can be also another type of cheque. There are seen many types of cheques which you need to understand. Here is the link for the different types of cheques provided plz go through and read- the types of cheques
Yes, the person whose name is mentioned on the cheque can deposit the cheque into his bank account, and also an endorsed third person can deposit.
Yes if it is a bearer cheque.
Yes, It may be safe if it is crossed or a/c payee cheque. Because account payee cheques can be deposited into the account of the named person only. And it can not be encashed.
Yes, Cash can be withdrawn if that is a bearer cheque means, the holder of the cheque can present that cheque for encashing in the bank.
A cheque will be an Ante-dated cheque if it has any back date. This cheque can be utilized on the cheque date or after the cheque date.
it’s not mandatory to sign behind the cheque. but in case it is self cheque or endorsed then a signature is required on the back side of the cheque.
- Exceeds arrangement meaning for cheque bounce
- EXCEEDS ARRANGEMENT (2)- REASON OF CHEQUE RETURN
- EFFECTS NOT CLEARED; PRESENT AGAIN (3)- REASON OF CHEQUE RETURN
- CHEQUE RETURN REASONS LIST IN BANKING
- Refer to Drawer (04-09) cheque return reasons
An Accountant, GSTP, GST blogger, Website Creator, SEO Builder & Co-founder of the website https://gstportalindia.in for the help of GST Taxpayers of India. Having a perfect accounting experience of more than 10 years in a Private Ltd Company.