I made my house payment on 11/30 with a check dated 11/30. It was not received until 12/5, and cleared my bank on 12/8. My bank says they use the date written on the check not the date the check is presented. How is that possible?
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Did you write these checks on your money market deposit account (sometimes called a money market savings account), and then the bank is telling you that you wrote too many checks in November? Banks are required to monitor transfer activity from money market deposit and other savings accounts in order to ensure that depositors don't exceed the monthly regulatory transfer limits on the accounts. For checks payable to third parties, the limit is three per month. Sometimes there are delays in getting checks paid, as when the payee holds on to the check a few days, for example, and will show up in the next month's count. Then customers are unhappy because they are subjected to the check writing limits on these accounts when it's the payee that is causing checks to go over to the next month. Banks are permitted to use two methods for counting checks. They can be counted based on the dates the checks are written, presumably the date you write on the check, or on the date the checks are paid from the account, but they have to use one method or the other consistently. Your bank apparently chooses to use the date written on the check.
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Did you write these checks on your 