An Example of How to Properly Write a Check

Understanding how to write a check remains a valuable financial skill. Checks are still used for transactions like paying rent, utility bills, contractors, and for monetary gifts. Knowing the correct procedure ensures accuracy, security, and provides a documented paper trail for your financial records.

Filling Out Your Check

Write the current date in the top right corner of the check. Next, locate the “Pay to the order of” line and write the full name of the person or entity receiving the payment. If paying a company, ensure the exact legal name is used.

To the right of the payee line, in the dollar box, write the numerical payment amount, including dollars and cents. For example, write “50.25” for fifty dollars and 25 cents. Fill the entire space in this box to prevent unauthorized alteration.

Below the payee line, write out the payment amount in words. The written amount confirms the numerical value and is considered the legal amount if discrepancies occur. Express cents as a fraction over 100, such as “and 25/100.”

The memo line, in the bottom left corner, is optional but serves as a reference for the payment’s purpose. For example, writing “July Rent” or “Plumbing Service” helps you remember the check’s purpose when reviewing records. Sign your name on the signature line in the bottom right corner of the check. A check is not valid without your signature, as it authorizes the bank to release funds from your account. Always use permanent, non-erasable ink, such as black gel ink, to deter fraud.

After Writing Your Check

Once the check is completed and signed, record the transaction in your check register or digital system. This record should include the check number, date, payee name, payment amount, and purpose. Regularly updating your check register helps maintain an accurate account balance, preventing overdrafts and assisting with bank statement reconciliation.

After recording the transaction, the check is ready for delivery to the recipient. This may involve mailing the check or handing it directly to the payee. When mailing checks, use secure mailboxes, such as those inside a post office, rather than unsecured curbside mailboxes, to reduce mail theft and check fraud. Confirm the check reached its destination. Contact your bank promptly if a check goes missing.