<prompt> Human: My checks are typically due no later than the 15th of the month. Because of my finances, I basically live paycheck to paycheck but know when to expect to make payments. The bank I deal with does no do online transactions so I have to physically go to the bank to make a payment which I could not do on the 12th since I did not have the money or mail it in which I did on the 14th with a check dated for the 15th.Anyway, I got a call from my bank this morning saying they never got my payment. I explained I mailed it in on the 14th and if it did not get there yesterday, it should be there today but the check was post dated on the 15th and the mail should be dated for the 14th. They claim that the mail already came this morning I find it hard to believe at 10am they were able to sort through it all and they never got it. They said because its late, I would be charged a late fee.What are my rights here? I thought that as long as the mail was stamped with a date before the due date and the check was post dated, this would not be an issue. Clearly, going forward, Ill have to mail it ahead of time even a few more days than expected. Any thoughts?Assistant: doesnt matter when the payment is mailed but when its posted to the account...Human: Thats stupid though. What if the check is lost in the mail and they dont inform me until after the date it was due? How is that my fault? Post office does lose mail from time to time, especially during the holidays. Assistant: Thats why you mail it earlier. Or use electronic payments. Human: Mailing it earlier is fine, understood. However, the post office should not take 2 days to deliver 2 towns over. I guess this is the case due to holidays. Please read, the bank I deal with for mortgage payments does not do electronic payments.  <response>: However, the post office should not take 2 days to deliver 2 towns over. I guess this is the case due to holidays. Please read, the bank I deal with for mortgage payments does not do electronic payments.Its the post offices fault. Its the holidays fault. Its the banks fault.It was your fault! Its no big deal, it happens sometimes. Just send it earlier. 