Laws against post dating checks

Writing a postdated (PD) check is legal in Texas and all other U. states; therefore, cashing it before the date on which it is due for payment is not legal.

However, many banks do cash checks presented before the due date, and may not be held liable unless certain steps have been followed to prevent them from doing so.

A PD check is a check written on a certain day but dated for a later date.

Without this information, the bank may either reject or "bounce" the check or cash it.

If the bank receives notice in time and still cashes the check, it may be liable for loss or damages, including costs if other items are dishonored because of insufficient funds.

In terms of the Texas penal code, a PD check constitutes a promise to pay the amount to the payee on a specific date.

People usually write PD checks when insufficient funds are available to cover the check on the date on which the payee needs it.

In notice about a postdated check before the check is received, then the notice is valid for up to six months.