6 Simple Steps on How to Write a Check

How to write a check is one of the traditional banking methods that technology has not been able to alter. Writing a check, for example, is still an acceptable method of payment.

How to write a check

We will show you how to write a check as we proceed and a few things you know about writing checks.

How to Write a Check

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

Here’s how to fill out a check correctly;

1. 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.

2. 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.

3. 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.

4. 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.

5. 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.

6. 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.

Understanding a Check’s Format

If you’ve never filled out a check before, it’s useful to understand its format and what information goes on it. 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.

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

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

Three important numbers appear in the same place on every printed check, which are;

1. 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.)

2. The Account Number: This is the account number for your personal checking account.

3. Paper Check Number: Each paper check is numbered, and the number appears in both the upper right corner and after the account number.

Things to Consider Before You Write a Check

how to write a check

Make certain that it is truly necessary. Some of the things to consider are;

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

2. 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.

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

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

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

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

Make a note of the payment. A check register, even if it is 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.

What are the Security Tips to Know for Writing Check?

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

1. It is used to pay the amount you expected to the person or organization you intended.

2. Thieves can alter checks that are lost or stolen.

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

4. If 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.

So, now that you’ve got the breakdown of how to write a check, it’s time to put that knowledge into action.

Don’t worry if it feels a bit unfamiliar at first like anything new, it just takes a little practice. Soon enough, you’ll be writing checks like a pro, effortlessly handling your finances with confidence.

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