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But, what if the check recipient doesn’t listen to my instruction and deposits the check before the written date?

I turned to Wells Fargo and Chase to help me answer that question.

Be prepared for the possibility that the check funds won’t be available.I can tell you generically that closing this account will not help your score.It will hurt it -- maybe by just a few points or maybe by a lot.Not only do you not want to incur an insufficient funds fee, you don’t want to go through the trouble of obtaining a reissued check.If there are multiple occasions of failed check deposits, the bank could even close your account and report you to Chex Systems, a consumer reporting bureau that tracks negative banking history.

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