If you write a post-dated cheque, under the clearing rules of the Canadian Payments Association (CPA), your cheque should not be cashed before the date that is written on it.
If the post-dated cheque is cashed early, you can ask your financial institution to put the money back into your account up to the day before the cheque should have been cashed.
If you have not resolved your problem with a post-dated cheque at the branch level, or if the cheque has resulted in non-sufficient funds fees being charged to you, you can make a complaint using your financial institution’s complaint-handling process. Federal financial consumer protection legislation requires all federally regulated financial institutions to have a complaint-handling process in place to help resolve disputes between consumers and their financial institutions. This process includes a third-party dispute-resolution body.
The FCAC publishes the complaint-handling process for all federally regulated financial institutions on its website.