Do You Write the Word Dollars on a Check?

Checks remain a common instrument for financial transactions. Accuracy and clarity are important when completing a check to ensure smooth processing and prevent issues. Even with the rise of digital payment methods, checks are still used for various purposes, including paying rent, utility bills, or making personal payments.

The Amount in Words

The line for the amount in words is usually below the “Pay to the order of” line and often ends with “Dollars.” This section serves as a security measure, as it is more difficult to alter words than numbers, preventing fraudulent changes to the payment amount.

For a whole dollar amount, such as one hundred dollars, write “One Hundred and 00/100” to explicitly state there are no cents. If the amount includes cents, write them as a fraction over 100. For example, for seventy-five dollars and fifty cents, write “Seventy-Five and 50/100.”

Begin writing the amount as far left as possible to minimize blank space. After completing the written amount, draw a line through any remaining empty space to the right, safeguarding against unauthorized additions.

The Numerical Amount

The numerical amount is entered in a small box, usually to the right of the payee line and below the date. This box features a pre-printed dollar sign, so you only need to enter the numbers. Write the numerical amount clearly, including both dollars and cents separated by a decimal point, such as “125.75.” Even for whole dollar amounts, including “.00” is standard practice, for instance, “500.00,” to indicate no cents and fill the space. Writing the numbers large enough to fill the entire box helps prevent alterations, such as adding extra digits.

Consistency Between Amounts

Checks require both a numerical and a written amount to enhance security and provide a clear, unambiguous record of the transaction. The dual entry helps prevent fraud, as altering both formats is more challenging than changing a single set of numbers. It also helps clarify the intended amount if one section is illegible.

Should a discrepancy arise between the numerical amount and the amount written in words, the amount written in words is considered the legally binding amount. This rule, supported by the Uniform Commercial Code, prioritizes the written text due to its reduced susceptibility to alteration. However, inconsistencies can cause delays or lead to the check being rejected by the bank, making it important to carefully review both amounts before signing. If an error occurs, void the check and issue a new one to avoid potential issues.