You only have obligations to your customer. They have "loaned" you their $ with the understanding that you will pay it out based on their instructions (and subject to certain standards). The authority to pay stale or post dated checks was created to "authorize" bulk filing, not to override ordinary care. If you are presented either at the teller window, you have every right to refuse to cash the check.
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Al Miller, CRCM
Opinions expressed are my own and not necessarily shared by my employer.