Accounting Concepts and Practices

How to Correctly Fill Out a Blank Check

Master the essential skill of accurately filling out a blank check. Learn each element, step-by-step instructions, and post-filling best practices for secure transactions.

A check serves as a written instruction to a bank, directing it to transfer a specific sum of money from one account to another. While digital payment methods have become widespread, checks maintain their relevance for various transactions. These include recurring payments like rent or utility bills, or situations where a physical record of payment is preferred. Understanding the proper procedure for filling out a check provides a valuable skill for managing personal finances.

Identifying Key Check Elements

A standard check contains several distinct areas, each with a specific function. The date line, in the upper right corner, indicates the day the check is written. The “Pay to the Order of” line, typically found in the middle of the check, is where the recipient’s name is written. To the right of this line, a small box, often called the numerical amount box or dollar box, is designated for the payment amount in numbers.

Below the payee line, a longer line is provided for writing out the payment amount in words, which serves as a confirmation of the numerical amount. In the bottom left corner, the memo or “For” line offers an optional space for a brief note about the payment’s purpose. The signature line, located in the bottom right, requires the account holder’s signature to authorize the payment.

Along the bottom of the check, a series of numbers includes the routing number, which identifies the bank. The account number, usually positioned in the middle, specifies the individual checking account from which funds will be drawn. The check number appears in two locations: the upper right corner and as part of the numerical sequence at the bottom of the check, serving as a unique identifier for each check.

Writing Out Your Check

Write the current date on the date line. You can format the date numerically (e.g., 08/25/2025) or by spelling out the month (e.g., August 25, 2025). Following this, accurately write the full name of the person or entity receiving the payment on the “Pay to the Order of” line.

Next, enter the numerical amount of the payment into the small dollar box. For example, if paying 130 dollars and 45 cents, write “130.45”. To deter alterations, fill the entire space in this box, ensuring no gaps remain where numbers could be added. On the line below the payee’s name, write the payment amount in words, matching the numerical amount. For the example of $130.45, you would write “One hundred thirty and 45/100.” It is important to extend a line from the end of the written amount to the “Dollars” pre-printed word to prevent any unauthorized additions.

The memo line is an optional field for a brief description of the payment, such as “August Rent” or “Utility Bill.” This note provides a helpful record for your own tracking. Finally, sign your name on the signature line. Use dark, indelible ink, such as black gel ink, to enhance security and prevent alterations.

Completing the Check Process

After filling out and signing a check, maintaining a clear record of the transaction is prudent. Record the check number, date, payee, and amount in a check register or financial tracking system. This log helps reconcile bank statements and provides an overview of expenditures. Updating this record supports accurate financial management and helps identify discrepancies.

Safeguarding blank and completed checks is an important security measure. Store blank checks in a secure location to prevent theft and unauthorized use. When voiding a check, shred it to ensure sensitive information is not compromised.

When delivering a check, consider the method of transmission. For mailing, use secure envelopes and place the check directly into a post office box or hand it to a mail carrier to reduce mail theft risks. For larger payments or when confirmed delivery is necessary, send the check via registered mail for a tracking number and proof of receipt.

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