Final answer:
Clients should not post-date checks when making a payment, as this is against banking practices and can introduce complications for both the depository institution and the client. Banks are expected to manage demand deposits and diversify their investments responsibly.
Step-by-step explanation:
If a client is paying with a check and wants the practice to wait on depositing it, it is not recommended for them to write a future date on the check (post-dating). Option b. Clients should not post-date checks for the practice is generally the correct approach. Post-dating checks can be problematic for both parties and may not be honored by banks as expected. Furthermore, it is important for a depository institution to manage its demand deposits efficiently, ensuring that funds are available for withdrawal or use in checkable deposits. The institution also has the responsibility to diversify its investments and loans, which can be affected by irregularities in depositing practices.
Banks are places of trust where customers' deposits, which are accessible via demand deposits such as checking accounts, are meant to be available for immediate use or withdrawal. When clients write post-dated checks, it introduces uncertainty and potential complications into the financial system, which is contrary to the standard banking practices designed to maintain stability and reliability.