There are one or two exceptions (like if you’re a debt collector), but most individuals are free to take postdated checks to the bank.However, it’s best to communicate with whoever wrote the check – there’s probably a reason it’s postdated. at least) typically pay on postdated checks unless the checking account owner took specific steps instructing them not to.
In most cases, they can deposit the check made a free-and-clear payment.
If your payment is rejected, you might be unable to buy a product or service that you wanted, you might have to pay late-payment fees, or there might be other consequences. The IRS generally doesn’t accept postdated checks, and some universities won’t either.
Consider what happens if those payments are rejected.
In most cases, you can deposit or cash a postdated check early.
In some cases, postdated checks get deposited and nobody ever notices (they don’t look closely at the date).
If you want to write a postdated check, the process is the same as writing any other check – except you’ll put a prevent the funds from being paid out of your account before the date you choose, contact your bank – before you write the check.
Ask what you need to do to ensure that the check is not processed before you’re ready (generally you’ll have to provide written instructions, but your bank can tell you exactly how to do that). It’s also a good idea to communicate with whoever you give the check to.
There are a lot of things you can’t change in life, and the passage of time is just one of them.
But postdated checks seem to test the limits of our control.