Other states, such as West Virginia, place the responsibility of avoiding the premature deposit or cashing of a postdated check on the recipient of the check.
In Georgia, a bank may pay a postdated check before the date on the check unless the customer who writes the check notifies the bank of the postdating and sufficiently describes the check.
But I also can't imagine there is a person that manually reads every check that comes in, looking at the date. If no, how does the bank verify the date, or do they not?
No specific country, I'm interested in hearing how ANY country's bank handles this.
The loss may include damages for dishonor of subsequent items under Section 4-402. You're writing a future date on the check, not past, to ensure that the check will not be deposited before that day.
Keep in mind that this may change from place to place, since not every country has the same rules.
Source: [Uniform Commercial Code - Article 4A § 4-401] (c) A bank may charge against the account of a customer a check that is otherwise properly payable from the account, even though payment was made before the date of the check, unless the customer has given notice to the bank of the postdating describing the check with reasonable certainty.
Generally, a bank may cash your check when they receive it, even if your check is paid before the date you wrote on the check.
As noted in another question, banks have different policies regarding post-dated checks before the post-date, although it seems most will accept the check as long as the check issuer hasn't contacted the bank.
If a bank has a policy of NOT accepting post-dated checks before the post-date, and the recipient tries to cash the check at a teller, the teller can easily say no. The reader can't always read all handwriting, and I would imagine it would be bad UX to refuse the check because it couldn't read the date.
That's why we ask for such detail when it is highly likely to matter. :) An ATM deposit, and since most ATMs will not scan or OCR the check, is subject to verification with regards to the date, amount, payee name and proper endorsements.
However, most banks -at their option- may either reject or negotiate a post dated check as if it has the current/past date on it.
Both state and federal law contain provisions that address the cashing or depositing of postdated checks before the date appearing on the check.