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That is according to the Uniform Commercial Code which establishes guidelines based on business laws practiced in most states.
Your bank will have already charged your account an NSF fee.
So you have the opportunity to get out in front of it, let the payee know, and then offer to make good on the check.
In some cases the payee will try to resubmit the check for payment.
You are under no legal obligation to delay cashing a postdated check, and you shouldn’t accept a postdated check from anyone you don’t know or trust.
If a good friend is reimbursing you for some groceries you purchased for them, you may decide to accept it and delay cashing it because you know they are good for it.
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In other cases they might send you the returned check with a bill for a returned check fee.