Post dating cheques illegal

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The law says you have to describe the check “with reasonable certainty,” and give the bank enough time to have "a reasonable opportunity to act.” Therefore, although it's not generally a good idea to write post-dated checks, the careful writer of post-dated checks will notify his bank as soon as possible about his post-dated check. Don’t be surprised if the bank charges a fee for having to be extra careful.If you do like you’re supposed to and tell the bank about a post-dated check, and the bank still pays it before the date on the check, the bank can be responsible to you for the losses.The main reason the law lets banks cash post-dated checks is that it’s too hard to look at checks for their date.

Many state in their terms and conditions that post-dated cheques should not be written, while some include a note at the front of chequebooks, saying post-dated cheques should not be written.

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That would include any bank fees and damages caused by an improperly overdrawn account.

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