… So, I post-date the check so that the check recipient knows not to deposit that check until that date. When you post-date a check, you put a future date on the check with the idea that the recipient does not deposit it until that written date. However, state law may require the bank or credit union to wait to cash the check if you give it reasonable notice.
Banks and credit unions generally don’t have to wait until the date you put on a check to cash it.
Can a bank or credit union cash a post-dated check before the date on the check? Yes.