How to Make a Check: Writing It Out Step-by-Step

Understanding how to accurately complete a paper check is a valuable skill for managing personal finances, even with prevalent digital payment options. Proper check writing helps ensure payments are processed correctly and securely, preventing potential issues from errors or incomplete information. This fundamental financial practice provides a tangible record of transactions, contributing to effective financial management.

Preparing to Write a Check

Before writing a check, gathering all necessary information and understanding each section is important. A standard check includes several distinct fields, each requiring specific details to ensure the transaction is valid and accurate. The date line, at the top right, indicates when the check is written, which can be crucial for processing timelines and fund availability. The “Pay to the order of” line is where the full, legal name of the recipient must be clearly written.

To the right of the payee line, a small box with a dollar sign is designated for the exact numerical amount of the payment, including both dollars and cents. Below the payee line, the written amount line requires the payment amount to be spelled out in words, with cents typically expressed as a fraction over 100. This written amount is legally binding and takes precedence if there is a discrepancy with the numerical amount. A memo line, on the bottom left, serves as an optional but useful space to note the payment’s purpose. Finally, the signature line on the bottom right is where the check writer’s signature authorizes the payment, making the check valid.

Filling Out Your Check Step-by-Step

The process of filling out a check involves a precise sequence. Begin by writing the current date on the date line. This timestamp is important for tracking the transaction. Next, on the “Pay to the order of” line, carefully write the full, legal name of the person or entity receiving the payment.

Enter the exact numerical amount of the payment in the small box to the right of the payee line. It is important to fill the space completely, including cents, even if it is a whole dollar amount, to prevent unauthorized alterations. On the line below the payee’s name, spell out the payment amount in words, starting at the far left and drawing a line to fill any remaining space to prevent additions. For amounts with cents, write them as a fraction, such as “and 75/100.”

If desired, utilize the memo line to briefly describe the check’s purpose, such as “monthly rent” or “utility bill.” Conclude the process by signing your name clearly on the signature line in the bottom right corner, using dark blue or black ink for legibility and to reduce the risk of check washing.

After Writing Your Check

After a check has been accurately completed and signed, several post-writing actions are important for financial management and security. Record the transaction in a check register or personal financial records, noting the check number, date, payee, amount, and the purpose of the payment. Maintaining a check register provides a real-time record of your account balance, helps in reconciling bank statements, and can aid in identifying any discrepancies or missing transactions.

Should a mistake occur while writing a check, it is generally recommended to void the check rather than attempting to correct it. To void a check, write “VOID” in large, clear letters across the front of the check using dark ink, ensuring that the account and routing numbers at the bottom remain visible. This invalidates the check, preventing it from being used. When delivering a check, especially by mail, consider using a security envelope or placing the check between other papers to conceal its presence. For enhanced security, drop checks in official postal collection boxes or at the post office, rather than leaving them in an unsecured home mailbox.