How to Properly Make Out a Wedding Check

It is common practice for guests to give monetary gifts to newlyweds, and checks remain a popular method for this gesture. Properly completing a check ensures the couple can easily access their gift without any complications. Understanding the correct steps for filling out each part of a wedding check helps prevent potential delays or issues with depositing the funds. This guide provides clear instructions to ensure your monetary wedding gift is processed smoothly.

Identifying the Payee

Determining the correct name for the “Pay to the order of” line is often the most confusing aspect of writing a wedding check. For seamless deposit, the name must precisely match the name(s) associated with the couple’s bank account. If only one person handles banking, write the check to that individual using their legal name. This simplifies deposit, especially if a name is changing.

Many make the check out to both individuals, such as “John Smith and Jane Doe.” When using both names, confirm their exact legal names, particularly if one or both are hyphenating or changing last names. Using names currently on their active bank accounts is highly advisable to avoid deposit issues. If uncertain about name changes or account details, discreetly ask a close family member.

Writing the check to “Cash” is an alternative, but carries inherent risks as anyone possessing it can cash it. This method offers less security than naming specific payees. Prioritizing clarity and accuracy in the payee field ensures the couple can deposit their gift without multiple bank visits or deposit holds.

Entering the Monetary Value

Accurately entering the monetary value on a wedding check involves two distinct steps. First, write the numerical value clearly in the small box to the right of the “Pay to the order of” line. For instance, “$500.00” should include clear digits and cents, even if zero, to prevent alteration. This numerical entry provides a quick reference.

Second, write the amount in words on the long line below the payee line; this serves as the legally binding amount. For example, “Five Hundred and 00/100 Dollars” clearly states the exact value. Ensure numerical and written amounts match precisely, as financial institutions prioritize the written amount in case of discrepancy. Writing cents as a fraction, like “00/100,” helps prevent fraudulent additions.

This dual entry system safeguards against errors or alterations, with the written amount holding legal precedence. Filling both sections accurately ensures the bank processes the correct monetary value. This attention to detail protects both giver and recipient from misunderstandings.

Completing the Remaining Details

After specifying the payee and monetary value, several other details complete the check. Date the check with the current date in the designated field, usually at the top right. Correctly dating the check ensures it is valid for deposit and provides a clear transaction timeline. An outdated check might lead to processing delays or rejection.

The memo line, at the bottom left, offers space for a brief note. For a wedding gift, common entries include “Wedding Gift” or a simple congratulatory message. While not mandatory for processing, this line helps the couple identify the funds’ purpose and organize gifts. It also serves as a personal touch.

Finally, sign the check in the bottom right corner. Your signature authorizes payment and validates the check. Ensure your signature is legible and matches the one on file with your bank to avoid issues. Keeping a record, perhaps in a check register, is a prudent practice for personal financial management.