However, keep in mind that it is illegal to intentionally write a bad check; if you’re postdating it with the intention of canceling it before the date, or if you know for certain that you won’t have the funds, you could run into legal trouble.The laws differ from state to state, but the short answer is yes.Just a day or two after I mailed the check, it was cashed – a full two weeks before the check was dated.The check emptied my checking account, and since I had set up overdraft protection, it withdrew the rest of the funds from a savings account.Check kiting involves writing checks with insufficient balance and then putting money in the bank from another checking account, before the original check can clear.Ignorance of the law will not keep you from being convicted so don't tell the bank that you didn't know."Kiting" usually refers to writing checks before funds are available. Expect to be fired unless you can prove it didn't happen.If you won’t have the funds available at the time the check is written, you might consider postdating the check.For instance, if you’ll be out of town when rent is due, but don’t have the funds to pay rent early, you might postdate your check.
If you find it necessary to write a postdated check, and you provide your bank with reasonable notice not to cash your postdated check, then the bank may not legally cash it.
If you do accept it, you should check with your bank to see if they can process the check before the date on the check.
If the person who wrote the check has provided reasonable notice of postdating to their bank, however, you will not be able to cash the check early. It’s a common misconception that postdating your check will ensure that the money stays in your account until the date on the check, but this isn’t necessarily the case.
When you postdate a check, you put a future date on it.
For instance, if you write a check on June 1 but date the check June 25, you are postdating the check.