However, in some circumstances if you give the bank reasonable notice, they will be prevented from cashing it until the date on the check.
In order to prevent your check from being paid until the date you wrote on the check, you must give the bank reasonable notice of the postdating by describing the check with reasonable certainty before the bank receives the check.
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.
It is not illegal to write a post dated check nor to give it out as long as there is no illegal intent.
I can tell you generically that closing this account will not help your score.If you write a check with a date in the future written on it, so that the check cannot be cashed until the date on the check, then you have written a postdated check.Unlike a normal check, a postdated check is not necessarily payable on demand.(To learn more about laws that apply to debt collectors, see our Debt Collection Agencies area.) The bank can cash your postdated check at any time, even before its authorized date, unless you specifically instruct it otherwise.This means that you don’t have a claim against your bank unless you notified it not to release the funds.Are we in jeopardy of a change in our credit score, which is in the 800 range?We've always paid the total balance due each month.What happens if you do make a postdated payment and the debt collector or creditor cashes it early?You may have a claim against the debt collector for violating federal law.A post-dated check is one which has a date after today's, so as not to be able to be cashed immediately.A bank may in some cases pay a post-dated check before the date on the check unless the customer notifies the bank not to pay it.