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But just about anything with the right signature on it is properly payable, including post-dated and overdrawn checks.Post-dated checks are a risky form of do-it-yourself credit.This is likely to be inconvenient to both you and the person or business you have given the cheque to.If the bank does not spot that the cheque has been post-dated, the cheque would then probably be paid before you intended or returned unpaid if you have insufficient funds in your account.There are no specific rules on how banks deal with post-dated cheques if they are paid in before the due date.

Consumers and businesses are advised not to accept post-dated cheques because of the problems they create if they are paid into their bank accounts before the due date.

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.

This is to avoid any incidence of returned cheque due to insufficient funds and the resulting penalty charges.

It causes inconvenience to all parties - drawer, drawee and payee.

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