What is a post-dated check?

• A. A check that has been canceled
• B. A check that has insufficient funds
• C. A check that is dated for a future date beyond today
• D. A check that has already cleared

Answer: (C)

A post-dated check is a check that bears a date set in the future, beyond today. It is a request that the payment be made only on that later date, not immediately when the check is received. This is about timing, not the check’s status. It is not canceled, not necessarily tied to insufficient funds, and not something that has already cleared. In practice, banks may or may not hold the payment until the future date, depending on policy, but the key idea is that the date is in the future to delay payment.