How Do You Write Dollars on a Check?

Checks serve as important financial instruments, functioning as legally binding documents that instruct a bank to pay a specific sum from your account to another party. The accuracy of the monetary amount entered on a check is paramount to preventing processing errors and guarding against potential fraud. Precision in writing the amount ensures the check is honored correctly. Properly completing all fields, especially those related to the payment amount, is a fundamental step.

Understanding the Amount Fields on a Check

A standard check typically features two distinct locations where the monetary value of the payment must be recorded. One location is a small, usually unboxed area, often positioned near the payee line, intended for the numerical representation of the amount. The second location is a long line directly below the payee line, designated for the written-out word amount. This line is often referred to as the “legal amount” because, in the event of a discrepancy between the numerical and written amounts, the written amount is legally considered the correct one. Both fields are required to ensure clarity and provide a safeguard against alterations.

Filling in the Numerical Amount

Locate the small box or designated area, usually near the dollar sign ($) symbol. Write the whole dollar amount clearly and legibly, placing the first digit as close as possible to the pre-printed dollar sign to prevent any digits from being added. Following the dollar amount, insert a decimal point to separate the dollars from the cents. Cents must always be represented by two digits, even for whole dollar amounts (e.g., $50.00). For example, if the check is for fifty dollars, you would write “50.00” in the numerical box, ensuring both zeros are present after the decimal.

Writing Out the Word Amount

Begin by spelling out the whole dollar amount on the designated line. For instance, if the check is for one hundred twenty-three dollars, you would write “One Hundred Twenty-Three.” After spelling out the dollar amount, the word “dollars” typically follows.

For any cents, the common practice is to write them as a fraction over 100, such as “and 50/100” for fifty cents, or “and 00/100” for whole dollar amounts. Alternatively, some individuals prefer to write out the cents in words, such as “and Fifty Cents,” but the fractional format is often preferred. After writing the complete word amount, draw a horizontal line from the end of your written amount to the end of the pre-printed line to prevent additions.

Tips for Error-Free Check Writing

Always review both the numerical and written amounts to confirm they match precisely. Any discrepancy between these two amounts can lead to processing delays or rejection by financial institutions. Avoid erasures or alterations on a check, especially regarding the monetary amount, as this can invalidate the check or raise suspicions of fraud.

If a mistake occurs, void the check by writing “VOID” across it in large letters and then issuing a new check. Using clear and legible handwriting for all entries, particularly the amounts, helps ensure that the check is processed smoothly and correctly by the bank. Always fill in all blank spaces on the amount lines to prevent unauthorized additions.