It is a fact that users go for post-dated checks during the situation when they want the receiver or the payee to wait some more time after issuing the check. If it is a post-dated check, then the payee has to wait for some more days, and he cannot approach the bank or any check cashing places on the same day. There are mainly two factors behind why people create post-dated checks. First and foremost, the person who creates post-dated checks or the account holder does not possess enough cash in the respective account, and he wants the payee to wait for sufficient funds to get reflected in the account. On the other hand, if the check is deposited in the bank without enough funds, the check will get bounced, which leads to several other consequences.

Another aspect behind post-dated checks creation may be that the account holder is paying checks for something that will happen in the future or which comes ahead of time. For example, suppose a deal is fixed between the payer and the payee and suppose the particular trade will happen one month after the particular date on which the deal was made. In that case, the account holder will give a check to the payee, and the date mentioned will be one month later, according to the trade.