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A negotiable instrument can be made payable “on demand” or “at a definite time.” (UCC § 3-104.) A post-dated check is an order to pay the bearer at a definite time in the future.

If you choose to accept a postdated check, you run the risk that the person who wrote the check could close their account before you deposit the check, or that their account will not have sufficient funds when you deposit the check.Since this kind of check is not payable on demand, most states refuse to cover postdated checks under bad check laws.Generally, a bank may cash your check when they receive it, even if your check is paid before the date you wrote on the check.Consider what happens if those payments are rejected.In most cases, you can deposit or cash a postdated check early.

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