(UCC § 4-401.) So, a bank can charge a person’s account for a check the person post-dated when the payee tries to cash it before the date on the check.
But, there is an exception to this rule: The bank must not charge the person’s account if: (UCC 4-401 (c).) Should the bank nevertheless charge the payor’s account even after receiving proper notice of post-dating as described above, the bank may be liable for damages to the payor that result, including damages from dishonor of later checks drawn on the account.
However, in some circumstances if you give the bank reasonable notice, they will be prevented from cashing it until the date on the check.
In order to prevent your check from being paid until the date you wrote on the check, you must give the bank reasonable notice of the postdating by describing the check with reasonable certainty before the bank receives the check.
Although the UCC is not itself a law, it has been enacted in all 50 states (with limited modifications in certain states).