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If you’re going to write a postdated check (or receive one), here are some things you should know!

When you postdate a check, you put a future date on it.

It is illegal to write a check when you know you don’t have the funds to cover it, but things get a little fuzzy – and details depend on state law – when you postdate a check (assuming it is accepted as payment).

It’s also illegal to defraud somebody who sells you something by pretending to pay but never actually paying (or having the intention to do so).

The rent check of 5 cleared, but wiped out my balance, which was supposed to cover other checks and ATM withdrawals. The Answer: This is an important lesson for people, and a potentially expensive one for you: It doesn't matter what date is on a check -- it can still be cashed. She noted that such matters are governed by the Uniform Commercial Code, which concerns general business practices.

The checks usually aren't cashed until the first of the month and they clear my account on the second or third. Key and my landlord both said, "Too bad," and said postdating checks is illegal, anyway. There are no Federal Reserve regulations, which cover banking, that govern the payment of post-dated checks, said spokeswoman Anne Di Teodoro.

Unfortunately, the fact is that there’s generally no actual obligation to honor the date on a check.I can tell you generically that closing this account will not help your score.A postdated check offers the promise of controlling the uncontrollable: As time marches forward, you may wonder what the date on a check really does.In notice about a postdated check before the check is received, then the notice is valid for up to six months.Because I make most payments (like my mortgage) online, it’s not too often that I bust out the checkbook.