What is the ruling on one who cashes a check before its due date and the bank deducts a portion of the amount?

Question:
A man has a sum of money with someone, and he gave him a check with a specific date, meaning he gave him a check with a specific date, for example, the thirtieth of the month. He went to the bank on the fifteenth, and they gave him the amount after taking a portion of it. Is this riba (usury or interest)? Before the check's due date, I mean?

Answer:
Yes. Do you have a sum of money with a person, and he gave you a check? And this check that he gave you? A check, a check, O Shaykh. A check, a check. Yes. Um, you said Shaykh? No, a check. He gave you a check for the debt in his liability. You go, and they cash it for you at the bank. If he has a balance in the bank, it is not permissible for them to take anything from you, because this is a transfer (hawalah). He transferred you to the bank to his balance that is in the bank. This is a transfer, and it is not permissible for the bank to take anything for it, because his balance is with them.
Yes. And they invest his balance, and he wants to take from you too. They invest the balance of the person who has it with them, and they take from the one who transfers to them too. All these banks are established upon riba and upon transactions that are not valid. Yes.