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If you really want to cash a postdated check for the full amount, take it to the bank that issued the check which is where the check writer has a checking account.
In several states the law provides for fines and or imprisonment, but does not specify if the crime is misdemeanor or felony.If the check goes through, you’ll pay an overdraft fee.If it doesn’t go through, the recipient might charge you late fees and a bounced-check fee. “From a criminal law perspective, there is nothing inherently illegal about postdating a check,” says Eric Hintz, a criminal defense attorney at Hintz & Welsh in Sacramento, California.Find out if the check was intentionally postdated, and figure out a solution. Most people don’t do this, in part because of the additional fees to monitor the account and prevent payment before the specified date. Because there’s a possibility it won’t clear, you might have better luck depositing those checks.That allows your bank to place a hold on the funds instead of handing over cash immediately.