How to Write a Check: A Step-by-Step Example

A check remains a relevant payment method for various transactions. Understanding how to properly complete a check ensures payments are processed accurately and efficiently.

Understanding Check Components

A standard check contains several specific fields. The date line, located in the upper right corner, is where the current date of writing the check is entered. Below this, the “Pay to the Order of” line is designated for the full legal name of the individual or organization receiving the payment. It is important to spell the payee’s name accurately.

To the right of the payee line, a small box with a dollar sign is provided for the numerical amount of the payment. This amount should be written clearly, including both dollars and cents, such as “150.00” for one hundred fifty dollars. Below the payee line, the written amount line requires the dollar amount spelled out in words, with cents represented as a fraction over 100, for example, “One hundred fifty and 00/100.”

A memo line, usually in the bottom left, is an optional space for a brief note about the payment’s purpose, such as “Rent” or “Invoice #123.” Finally, the signature line in the bottom right corner is where the account holder’s legal signature is placed, authorizing the payment. Pre-printed at the bottom of the check are the routing number, account number, and the check number, which are unique identifiers for the bank and the specific account and check.

Step-by-Step Guide to Filling Out a Check

• Write the current date on the date line in the upper right-hand corner of the check.
• Print the full name of the person or organization receiving the payment on the “Pay to the Order of” line. Accuracy in spelling the payee’s name is important for successful processing.
• Write the numerical amount of the payment in the small box located to the right of the payee line. Ensure this amount is written precisely, including any cents, and fill the space completely to prevent any alterations.
• On the line directly below the payee’s name, write out the payment amount in words, matching the numerical value. For example, if the check is for $75.50, you would write “Seventy-five and 50/100.” Draw a line from the end of the written amount to the “dollars” word to prevent additional text from being added.
• Use the memo line to briefly describe the purpose of the payment. This step is optional.
• Sign your legal signature on the signature line in the bottom right corner of the check. A check is not valid without a signature, and it should match the signature on file with your bank.

Important Considerations

When writing checks, using a pen with blue or black indelible ink helps prevent alterations and fraud. It is also important to fill in all blank spaces on the amount lines and draw a line through any unused portions to prevent unauthorized additions. Keeping checks in a secure location and shredding any voided or unused checks helps protect against fraudulent use.

Maintaining a check register or a digital record is essential for tracking payments and managing your account balance. This record should include the check number, date, payee, and the amount of each transaction. A check register provides an overview of your funds, aids in budgeting, and helps reconcile your bank statements.

If a mistake occurs while writing a check, void the check and start a new one. To void a check, write “VOID” in large, clear letters across the front of the check using indelible ink. For minor errors, like a misspelled payee name or incorrect date, a small correction can sometimes be made by crossing out the mistake with a single line, writing the correct information next to it, and initialing the change. However, if the numerical or written amount is incorrect, voiding the check is the safest approach to avoid processing issues or potential fraud.