US Bank

On February 2nd of this year, 2017, a check was processed and I was sent a notice of "insufficient funds", even though the date on the check was specifically, February 3rd, 2017. The check being cashed early made them put a charge on my checking account for "insufficient funds" of $36.00 (maybe more). I am a disabled individual and I receive monthly payments on the 3rd of the month, always have. So I shouldn't be charged because someone at that bank fraudulently cashed a check before the cashing date.

I spoke to someone on their customer service line and she told me that the bank can cash a check whenever they please, if they have it. When did this law go into effect? That doesn't sound true to me and I want a refund for my $36.00 or more that was improperly taken from my checking account before the date on the check.