If your friend is correct, then it would also be illegal to pre-date a check which keeps someone from being able to cash it until that date.
Additionally, at the bank’s discretion, there could be a hold on the funds until the check clears.But, what if the check recipient doesn’t listen to my instruction and deposits the check before the written date?I turned to Wells Fargo and Chase to help me answer that question. A banker said, “Generally, we would try to pay out the fund on the check even if it was post-dated.Curious as to what happens when I defy the concept of post-dating, I checked with banks to their rules on the matter. However, I do expect to have those funds by the date written on the check.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. So, I post-date the check so that the check recipient knows not to deposit that check until that date.