Check Writing FAQ

Answers to common questions about writing and handling checks

What do I do if I make a mistake while writing a check?Is it safe to mail a check?How long is a check valid?What's the difference between a cashier's check and a personal check?Do checks expire?Can I postdate a check?What information should I never write on a check?How can I track if a check has been cashed?Check Writing Guide

Can I postdate a check?

Yes, you can postdate a check by writing a future date on it, but it provides less protection than you might expect. Banks are generally not obligated to honor the postdate.

What postdating means:

Writing a future date on a check, indicating you don't want it cashed until that date. However, this doesn't guarantee the check won't be processed earlier.

Legal status:

  • Postdating a check is legal
  • However, banks are generally not obligated to honor the postdate
  • In most cases, banks can legally cash a postdated check before the date written on it

If you need to postdate a check:

  1. 1
    Notify your bank in writing

    Some banks require formal notice about postdated checks

  2. 2
    Provide check details

    Include the check number, amount, and name of the recipient

  3. 3
    Be aware of potential fees

    Some banks may place a temporary hold on your account, but many charge a fee for this service

Better alternatives to postdating:

  • Schedule an electronic payment for the future date instead
  • Use your bank's bill pay service to schedule a check to arrive on the appropriate date
  • Set up a payment reminder and write the check closer to when payment is needed

Remember that even with postdating, you need to ensure sufficient funds are in your account, as the check could be deposited earlier than the written date.

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