A postdated check is a check with a date in the future written on it. If I write my check now and put "September 1, 2015" as the date, I've written a postdated check. This means that if you do not notify your bank of the postdated check, your check may be cashed or deposited.My Postdated Check Cannot Be Deposited or Cashed Until the Future Date, Right? Under Wisconsin law, a bank may deposit or cash a postdated check "unless the customer has given notice to the bank of the postdating describing the check with reasonable certainty." Wis. How Do I Give My Bank Notice with "Reasonable Certainty"? For example, if it’s January 28, and you have rent due, you might postdate a check for February 1.This could be so that your landlord doesn’t cash it until your paycheck clears, and your checking account has the necessary funds.
The biggest reason for postdating today is that you do not have the funds in your checking account to cover payment, but you will after the postdate.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.You should clear it with your bank and your payee before writing a postdated check — check your state’s laws and your bank or credit union’s policy before writing a postdated check.Ask the cashier, or better yet a manager, if writing a postdated check would be an acceptable form of payment.