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    Laws regarding post dating checks

    But it was suggested that, perhaps, having such a check would make it illegal for the business to In the United States, post-dating a check, on its own, has no valid use.It can be cashed at any time at the discretion of the bank.Occasionally, I like to skim through Reddit’s personal finance section for any interesting money topics.One recent, noteworthy topic had to do with post-dated checks and what happens to them when you attempt to deposit or cash the checks before the date written on them. If I were to post-date a check, it would probably be because I don’t yet have enough funds in my account to cover the check amount.Unless he has given your bank notice of the postdating describing the check with reasonable certainty, your bank may charge his account for the check.If he gave notice, reasonably describing the check, but you paid it prior to the date on the check, your bank would only be liable for damages, if any, caused by paying the check prior to its date.

    Typical losses would be dishonor of subsequent items. Texas\'s Uniform Commercial Code (UCC) is contained in the Business & Commerce Code.

    The UCC does not regulate fees that banks charge customers for a notice of postdating or other services covered by the Act.

    You should check the young man’s account contract to see what it says about postdated checks and your fee for that service--your account contract with him can amend the UCC (I wonder if he learned that in school? He may owe the bank money for contacting you and using this service.

    The loss may include damages for dishonor of subsequent items under Section 4-402. You're writing a future date on the check, not past, to ensure that the check will not be deposited before that day.

    Keep in mind that this may change from place to place, since not every country has the same rules.

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