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The Uniform Commercial Code, a collection of business laws adopted or adapted by many states, gives financial institutions the right to process a correctly written check with a future date.
But you can ask your bank to delay cashing a specific check, and, depending on your state and the bank, it might comply.
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Some of the biggest banks, for example, note specifically that they can honor checks that are made out for future dates.If you write a check and don’t have enough money in your account when it’s cashed — whether or not it’s postdated — your bank can cover the payment or let the check bounce based on its overdraft practices.If the check goes through, you’ll pay an overdraft fee.To do this, many or all of the products featured here are from our partners. So you date the check a few days in advance — also called postdating it — hoping your paycheck will clear by then. Here’s what you need to know about postdating and what you can do instead.» MORE: How to write a check “It’s kind of a tricky scenario,” says Matt Foster, founder of the rental property search site i Rent and a landlord in Ventura, California.