How to Write a Check

How to write a check is one of the traditional banking methods that technology has not altered in the way the world banks. Writing a check, for example, is still an acceptable method of payment. We will show you how to write a check in this article.

How to write a check

Writing a Paper Check

Paper checks are an efficient and low-cost method of money transfer.

But you probably don’t write checks every day (or have never done so).

Checks are an essential part of daily banking life.

Whether you’re sending payment for services rendered, receiving a paycheck from your employer, or receiving a birthday check on a card.

Three Numbers You Must Know

You must be able to identify the sections of a check before you begin writing and using paper checks.

There are three important numbers that appear in the same place on every printed check.

Routing Number

A routing number is an identification number assigned to each bank. This is always a nine-digit number.

(You will need to find this number, for example, if you wish to conduct online banking transactions.)

The account Number

This is the account number for your personal checking account.

Paper Check Number

Each paper check is numbered, and the number appears in both the upper right corner and after the account number.

how to write a check

How to Write a Check

Writing a check isn’t difficult, but there are a few things to keep in mind to ensure that the check is valid.

Here’s how to fill out a check correctly.

Date!

Write the current date in the upper right-hand corner.

In most cases, you’ll use today’s date to keep accurate records for both you and the recipient.

You can also postdate the check, but this does not always work as expected.

This allows the person receiving the check to determine when you wrote it.

Payee

Write the name of the person or organization you’re paying on the line that says “Pay to the order of.”

If you’re not sure what to write, ask “Who do I make the check out to?” because this information must be correct.

Amount in Numeric Form

Fill out the small box on the right-hand side with the amount of your payment.

Begin writing as far to the left as you can.

This is to prevent someone from committing fraud by writing additional digits to the left.

(for example, changing 100.00 to 2,100.00).

If your payment is for $8.15, the “8” should be right up against the left-hand border of the dollar box.

Amount in Words

Write the check amount in words below the “Pay to the Order of” line.

So, if you write a check for $243.26, you will write it as “two hundred forty-three dollars and twenty-six.

To avoid fraud and confusion, write out the amount in words.

This is the formal amount of your payment.

If the words differ from the amount you entered in numeric form in the previous step, the amount you wrote in words will legally be the amount of your check.

Use all capital letters, which are more difficult to change.

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Memo

While using the memo section isn’t always necessary, it’s a good idea to include a reminder of why you wrote the check.

It could also be used to record information that your payee will need to process your payment.

(Or find your account if anything gets misplaced).

When paying the IRS, for example, you could write your Social Security Number on this line or an account number for utility payments.

Signature

In the bottom-right corner, sign the check legibly. Use the same name and signature that your bank has on file.

This is an important step because a check will not be valid unless you sign it.

By signing, you are indicating that you agree to pay the payee the amount specified.

Before you write a check

Make certain that it is truly necessary.

Writing a check is time-consuming and not the quickest way to transfer money.

You may have other options that would simplify your life and help you save money.

For example, you can:

Pay your bills online, and even instruct your bank to send you a check every month.

You won’t have to write a check, pay for postage, or send it in the mail.

Instead, get a debit card and use it to make purchases. You will pay from the same account, but electronically. 

There’s no need to use up checks (which you’ll have to re-order).

Also, you’ll have an electronic record of your transaction with the payee’s name, payment date, and amount.

After You’ve Written the Check

Make a note of the payment. A check register, whether electronic or paper, is an excellent place to do this.

Recording the payment keeps you from spending the money twice.

The funds will remain available in your account until you deposit or cash the check, which may take some time.

It’s best to write down the payment while it’s still fresh in your mind.

how to write a check

Check Writing Security Tips

When you write a check, make certain that they use it as you intended.

That it is used to pay the amount you expected to the person or organization you intended.

Thieves can alter checks that are lost or stolen.

Checks have multiple chances of becoming lost once they leave your hands, so make it difficult for thieves to cause you problems.

Whether you lose money permanently or not, you’ll have to spend time and effort cleaning up the mess left by fraud.

Develop the following habits to reduce the likelihood of fraud affecting your account.

Make it a Permanent Fixture

When writing a check, use a pen.

If you write with a pencil, anyone with an eraser can change the amount of your check and the payee’s name.

No blank checks

Sign a check only after you’ve filled in the payee’s name and the amount.

If you’re not sure who to make a check payable to or how much something costs, just bring a pen.

It’s less risky than giving someone complete access to your checking account.

Keep checks from growing

When filling out the dollar amount, make sure to print it in such a way that scammers cannot add to it.

Begin at the far left edge of the space and draw a line after the final digit.

Carbon Copies

Checkbooks with carbon copies are ideal if you want a paper record of every check you write.

Those checkbooks include a thin sheet with a copy of each check you write.

As a result, you’ll be able to quickly determine where your money went and what you wrote in each check.

Consistent Signature

Many people cannot sign legibly, and some even sign checks and credit card slips with amusing images. 

However, consistently using the same signature assists you and your bank in detecting fraud.

If a signature does not match, it will be easier to demonstrate that you are not responsible for the charges.

Can You Write a Personal Check to Yourself?

Yes, it is legal to write a check to yourself. You may be wondering why you would do something like this.

Another method for withdrawing money from your bank account or transferring funds between accounts is to write a check to yourself.

To accomplish this, write your name on the payee line.

While there are more efficient ways to withdraw money from the bank, you can also write a check to yourself.

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Frequently Asked Questions

1. How do you write a check for $1500?

In the Dollar box, write “1,500.00,” and in the Dollar line, “one thousand, five hundred and 0/100.”


2. How do you write a check amount in Words?

You can write the amount in words by first writing the number of whole dollars, then the word ‘dollars.’

Instead of the decimal point, write the word ‘and,’ then the number of cents, and finally the word ‘cents.’

You can also write the numbers in words if you prefer.


3. How do you write a check for cents and thousands?

For cents, use numbers.

When writing a check, you only need to write the total amount in words.

 Use a fraction for portions less than one dollar.

One thousand two hundred thirty-four dollars and 56/100 are two examples.


4. What are the seven steps to writing a check?

Please provide the current date.

Fill in the check’s recipient’s name.

Fill in the blanks with a monetary value.

Form a letter from the cash amount.

Add a memo if desired.

Please sign the check.

Check that you have enough money to cover the check.


5. How do you write 8000 on a check?

$ (Amount in Numeric Form): Enter 8000.00 in the box immediately following the $ sign on the same line.

Please include the decimal part 00.

DOLLARS (Price in Words): On the next field, write eight thousand and 00/100 as far to the left as possible on that line.


More FAQs

6. Is Writing a check Safe?

No payment method is completely secure. “With proper handling,” Farrar says, “checks are an extremely safe method of banking, as they have been for hundreds of years.”


7. Why should you never write checks with a Pen?

Whether they compensate your money, dealing with fraud correctly takes time and effort.

Writing with a pen or fine-tip marker makes it difficult to change your check.

Using a pencil allows a thief to easily erase or change the payee’s name and amount.


8. Should I put my Phone Number on my checks?

Fortunately, disclosing your phone number does not put you in jeopardy.

So while you should not print it on your checks, it is acceptable to write it in a check if requested.


9. Should you have your address on your checks?

 A check does not need to have the correct address because the account and routing numbers, as well as the recipient’s name, are more important.


10. How should your name appear on checks?

On checks, you should print only your initials (rather than your first name) and last name.

If someone steals your checkbook, they won’t know if you sign your checks with just your initials or your first name, but your bank will.


To effectively manage your checking account, you must first learn basic skills, such as writing and signing checks.

Knowing how to write a check, endorse it for a deposit, and order additional checks can help you get the most out of your checking account and banking relationship.

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