If you’re running a little short of cash before payday, yet you need to pay a bill, you may be tempted to solve the problem by writing your check, but dating it for after the day you get paid – when you know you’ll have money in the bank.Many people post-date checks for everything from car payments to rent, and they think they’re safe because the bank can’t cash the check before the date written on it, right? If you try this ploy you could end up with an overdrawn checking account, an angry payee and a ding to your credit.Any check that's properly made out and has your signature is treated as legal tender, and the bank is free to hand over the money to the holder of the check.There is, however, one situation in which a bank can be held liable if they cash a post-dated check too soon.You could try calling the creditors who assessed the fees and ask them to waive the fee this time. If this is the first time this has happened to you, and if your creditors are feeling generous, they may waive the fees. Ask the creditor to wait until you have the money in your account.You could give the creditor a specific date and ask it to wait for payment until then.That’s when you notify the bank ahead of time that you've written a post-dated check and they shouldn't cash it until the date you've indicated. You'll need to give the bank a good description of the check, including the check number, the payee and the amount.
There’s nothing wrong with post-dating a check and asking the person you owe money to hold off on cashing it.
People do this all the time, and it's not against the law.