If I agreed with the beneficiary to post-date a cheque but I am later charged as it was paid in early, can I reclaim this charge from my bank?
You will need to speak to your bank. In general, banks do not charge writers of cheques for returning a cheque unpaid because it is post-dated. If your bank paid the cheque and increased your overdraft, you should speak to your bank about this, though you might find it was outside the terms and conditions of your account.