Is post dating checks illegal


Writing a post dated check in Pennsylvania is perfectly legal as long as the person to whom you give the check does not submit it for cashing before the date you put on your check. The meaning of post-dated check 30 days means today you write out a check, but you date it 30 days from now.

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But, there is an exception to this rule: The bank must not charge the person’s account if: (UCC 4-401 (c).) Should the bank nevertheless charge the payor’s account even after receiving proper notice of post-dating as described above, the bank may be liable for damages to the payor that result, including damages from dishonor of later checks drawn on the account.

It was not clear from your question whether you promptly notified your bank of the post-dated check, but it seems that you did not because you do not mention it.

Although it is legal to post-date a check, the bank to which the check is presented for payment may charge the payor’s account even before the date of the check and even if doing so creates an overdraft.

(UCC § 4-401.) So, a bank can charge a person’s account for a check the person post-dated when the payee tries to cash it before the date on the check.

Then you cancelled the account, and you had to know that this meant that the check which you wrote would never… Most banks expect you to submit signed checks with future dates as guarantee for loans that you ask from them. Some banks may ask you to not fill up any dates but…