Any check or draft that has a future date written upon it by the user.
The amount of the check will not be drawn from the account until the date written on the check.
A Canadian bank, for example, is not supposed to process a post-dated cheque and if it does so by mistake, the cheque writer may ask his or her bank to correct the error.
In the United States and the UK, post-dated cheques are negotiable instruments and can be drawn upon at any time, while in India post-dated cheques are not payable until the date written on the cheque.
Some states, including California and Georgia, place responsibility on check writers to ensure their checks are not cashed or deposited too quickly.
Other states, like West Virginia, place responsibility on the person the check is written to.
However, a bank may refuse to honour a cheque if the postdate is noticed; othwerwise, the payer has no right to take any form of legal action against the bank for letting the cheque be processed.Punishment for perpetrators varies from state to state, but includes fines, probation and imprisonment, depending on the severity of the fraud, as well as restitution to the person, people or entity defrauded.If you want to write a postdated check just hoping it won't be cashed before a certain date, check your state's law first.You postdate a check by writing a future date on it.People typically do this when they want to give a check to someone but aren't certain they'll have enough money in their account until a certain date to cover it.For example, a check written on the 14th of the month but dated for the 28th will not be cashed for another two weeks.