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My friend wrote a check for the ,800, mentioned that he didn’t get paid until Friday, and requested that the construction company deposit the check a day or two after his pay day.

Sure enough, the construction company deposited the check the next day, and the bank processed it and my friend had a negative -

My friend wrote a check for the $4,800, mentioned that he didn’t get paid until Friday, and requested that the construction company deposit the check a day or two after his pay day.

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My friend wrote a check for the $4,800, mentioned that he didn’t get paid until Friday, and requested that the construction company deposit the check a day or two after his pay day.

Sure enough, the construction company deposited the check the next day, and the bank processed it and my friend had a negative -$1,300 or so balance in his account.

The law requires you to describe the check with reasonable certainty, including providing your account number, the date on the check, the check number and amount, and the name of the person or company named on the check.

,300 or so balance in his account.

The law requires you to describe the check with reasonable certainty, including providing your account number, the date on the check, the check number and amount, and the name of the person or company named on the check.

That means you may be able to keep a specific check from being cashed, but the bank could also force you to close your account. Asa Aarons is a consumer reporter who appears on "News 4 You" at p.m. His special Daily News column appears Mondays, Tuesdays, Thursdays and Fridays.

Problems crop up when the person holding the check jumps the gun and takes it to his bank anyway.

Banks aren't obligated to wait until the date on the check to cash it.

Lydia Rodriguez gave her landlord a postdated check to cover the monthly rent. But most banks pay little attention to the date when a customer presents a check.

She assumed it would be at least four days - the date she wrote on the check - until the bank would cash it. "My bank cashed the check and then charged me [a] nonsufficient funds fee," the New York City woman explained. So, in practice, postdated checks are often cashed earlier than the check writers expect.

Some states, including California and Georgia, place responsibility on check writers to ensure their checks are not cashed or deposited too quickly.

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