How to Correctly Write a Check Without Cents
Master the art of writing checks for whole dollar amounts. Ensure accuracy and prevent common errors with our essential guide.
A check is a written instruction to a bank, directing it to pay a specific sum from your account to another party. While digital payments are common, checks remain a relevant tool for various financial transactions. Ensuring accuracy when writing a check is important to prevent processing delays, fees, or fraud. Each component on a check requires careful attention to detail.
Writing the Numerical Dollar Amount
When preparing a check for a whole dollar amount, the numerical box requires specific formatting. Write the full dollar amount clearly, followed by a decimal point and two zeros, such as “$150.00.” This “.00” explicitly indicates that there are no cents involved, leaving no ambiguity. Alternatively, some individuals use a dash in place of the zeros, like “$150—”, but the “.00” is generally preferred for clarity. Write the numbers large enough to fill the entire space provided in the numerical box, starting immediately after the pre-printed dollar sign. This practice helps deter unauthorized individuals from adding extra digits to inflate the amount, safeguarding your funds.
Writing the Written Dollar Amount
The line where you write out the dollar amount in words is important for security and clarity. For whole dollar amounts, common conventions include writing “One Hundred Fifty and 00/100 Dollars” or “One Hundred Fifty Dollars and No Cents.” The phrase “00/100” or “No Cents” explicitly states the absence of fractional currency. Start writing the amount as far to the left as possible on the designated line. After completing the written amount, draw a continuous line from the end of your written words to the pre-printed word “Dollars” at the end of the line. This continuous line effectively closes off the space, preventing anyone from adding extra words or numbers that could fraudulently increase the check’s value.
Final Review and Signature
After accurately filling in both the numerical and written dollar amounts, review the entire check. Double-check that the numerical amount matches the written amount precisely and that all other fields, such as the date and payee name, are correct. This final verification step helps catch any oversight before the check is issued. The check is not valid without your signature, so sign it clearly on the designated line. Your signature serves as authorization for the bank to disburse the funds. Once signed, the check becomes a binding payment instrument.