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Unfortunately, this is not always honored by banks or the organization cashing the check.First, let’s look at why you would want to postdate a check.Do not be surprised if they do not allow it, however, even if it is in line with state laws.
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"? Most of the traditional reasons you would want to write a postdated check are a bit out of date; it may be easier to simply use direct deposit, electronic transfers, or coordinate directly with the payee.The biggest reason for postdating today is that you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.Most frequently, postdating a check is an effort to avoid fees.The writer is waiting for money to be deposited or for another check to clear before the payee will be able to cash without overdrawing the writer’s account.