Systems and methods for postponing check settlement

A device, comprising:

• at least one processor;
• at least one memory storing computer-executable instructions, that when executed by the at least one processors, cause the at least one processor to:
• receive check information associated with a check on a current date;
• determine, based at least in party on the check information, a destination account identifier for the check;
• determine whether to postpone settlement of the check until after the current date;
• identify, upon a positive determination to postpone settlement of the check, a delayed settlement date associated with the check;
• and
• store an association between the check information, the delayed settlement date, and the destination account identifier in a database in communication with the device.

A non-transitory computer-readable medium comprising computer-executable instructions, that when executed by at least on processor, causes the at least one process to:

• receive check information associated with a check on a current date;
• determine, based at least in party on the check information, a destination account identifier for the check;
• determine whether to postpone settlement of the check until after the current date;
• identify, upon a positive determination to postpone settlement of the check, a delayed settlement date associated with the check;
• and
• store an association between the check information, the delayed settlement date, and the destination account identifier in a database in communication with the device.