How to Properly Write a Check Step-by-Step

A check serves as a written order to a bank, instructing it to pay a specific amount of money from your account to the person or entity named on the check. Despite the rise of digital payment methods, checks remain a relevant tool for various transactions, including paying bills, making purchases, or transferring funds. Understanding how to properly complete a check ensures your payments are processed correctly and securely.

Essential Fields on a Check

Every standard check contains several key fields that must be accurately completed for it to be valid. The date line, typically located at the top right, indicates when the check was written, which can influence when funds are disbursed. Below this, the payee line, marked “Pay to the order of,” designates the recipient of the funds. This line legally identifies who can cash or deposit the check.

To the right of the payee line, a small box allows you to write the numerical amount of the payment using digits. Directly underneath, the written amount line requires you to spell out the exact payment amount in words, which serves as a safeguard against alteration. A memo line is available for optional notes, such as an account number or invoice reference, aiding in record-keeping for both parties. The signature line validates the check, requiring the account holder’s signature. Pre-printed routing and account numbers at the bottom of the check facilitate bank processing and identify your financial institution and account.

Completing Your Check

Begin by writing the current date on the date line, ensuring the month, day, and year are clearly legible. Next, on the “Pay to the order of” line, carefully print the legal name of the person or organization receiving the payment. Precision here helps prevent the check from being cashed by an unintended party.

In the small box to the right, write the numerical dollar amount of the payment. For example, for twenty-five dollars and fifty cents, you would write “25.50”. On the long line below, spell out the exact dollar amount in words, such as “Twenty-Five and 50/100 Dollars,” drawing a line through any remaining space to prevent additions. Use the memo line for any relevant information, like an invoice number or purpose of payment. Conclude by signing your name on the signature line, ensuring it matches the signature on file with your bank for verification.

Important Considerations

Maintaining a detailed record of all checks written is important for financial management. Regularly updating a check register with the date, check number, payee, and amount allows you to track your expenditures and reconcile your bank statements. Always write clearly and legibly to avoid any misinterpretation of the amount or payee, which could lead to processing delays or bank fees.

If an error occurs while writing a check, void it by writing “VOID” in large letters across the front and then securely destroying it. This prevents any potential misuse.

When storing blank checks, keep them in a secure location, like a locked drawer or safe, to protect against theft and potential fraud.