There is a down side to accepting post dated checks...
If a creditor accepts a post-dated check in exchange for merchandise or services, in many jurisdictions the seller is considered to have extended credit to the issuer of that check.
That means you may be able to keep a specific check from being cashed, but the bank could also force you to close your account. Asa Aarons is a consumer reporter who appears on "News 4 You" at p.m. His special Daily News column appears Mondays, Tuesdays, Thursdays and Fridays.
One of the myths that somehow refuses to go away is the myth that post-dated checks are "illegal." They are not.
There is nothing illegal, inappropriate, unlawful, unethical, unprofessional, or unconscionable about a creditor asking a customer to issue a post dated check, nor is there any reason a customer cannot issue one or a series of post dated checks to clear a past due balance.
Unfortunately, you may have a difficult time demanding payment by the bank, or claiming that the writing of the bad check was done with the intent of committing fraud, since most states refuse to recognize postdated checks as check fraud.
If you wrote a postdated check and your bank cashed it after you gave reasonable notice of the postdating, a skilled attorney experienced in banking laws and regulations can advise you of your rights and remedies.