How to Correctly Fill Out and Write a Check

A check remains a relevant payment method for various transactions, including paying bills, making purchases, or transferring funds. Understanding how to correctly complete a check ensures your payment is processed accurately and securely. This guide provides practical instructions for filling out a check.

Filling Out a Check Step-by-Step

Begin by writing the current date in the designated space, typically located in the upper right-hand corner of the check. Use a standard format like MM/DD/YYYY or the full date, such as August 20, 2025. Dating the check correctly is important for tracking your payment.

Next, identify the “Pay to the Order of” line, which is where you will write the full legal name of the person or organization receiving the payment. Ensure the payee’s name is spelled accurately and legibly to prevent any processing delays.

Move to the small box to the right of the payee line, which is for the numerical dollar amount. Write the amount clearly in digits, such as “$150.00” for one hundred fifty dollars. Always include the cents, even if it is “.00,”.

Below the payee line, write out the dollar amount in words on the designated line. For instance, if the numerical amount is $150.00, you would write “One Hundred Fifty and 00/100 Dollars.” This written amount serves as the legal amount if there is a discrepancy with the numerical value.

The memo line, located in the lower left corner, is optional and can be used to note the purpose of the payment, such as an account number or “Rent for August.” This provides a useful record for both you and the recipient. Finally, sign your name on the signature line in the lower right-hand corner.

Important Tips for Writing Checks

When filling out a check, avoid leaving any blank spaces on the payee or amount lines to deter unauthorized alterations. Drawing a line through any unused space after writing the payee’s name or the written amount helps prevent additions. This practice enhances the security of your payment.

Maintaining a detailed check register or a similar record is important for tracking your expenditures. Record the check number, date, payee, and amount immediately after writing each check. This helps in reconciling your bank statements and managing your finances effectively.

If you make an error while writing a check, it is generally recommended to void the check rather than attempting to correct it. Write “VOID” in large letters across the front of the check to invalidate it, and then start over with a new check. This practice prevents potential misuse of the incorrectly written check.