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20-Jul-2020 13:07

You need to trust the payee to not cash it until the postdate, or that the bank they use will honor the date if the check is deposited.It’s best to talk to the payee beforehand and work out an agreement.Because it’s postdated, it’s a courtesy to cash it at the writer’s bank. If you don’t need the money immediately, this is another courtesy to the writer, and can help keep trust between you and the writer.You can try to cash a postdated check early, but it may or may not work.If this happens, there’s usually a few fees that are levied, such as an insufficient funds or overdraft fee (and sometimes both), and on the payee’s end, there may be a bounced check fee.

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This, however, often comes with a fee of about for the bank to monitor your funds.

In other words, if you have the intent of defrauding someone by intentionally writing a check, knowing you will not have the funds on the postdate, it’s illegal.

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