How to Write a Check and Fill Out Every Field

A check serves as a written instruction to a bank, directing it to transfer a specific sum of money from your account to another individual or entity. These financial instruments remain a relevant method for payments, especially in situations where electronic transfers are not feasible or preferred. Understanding how to properly complete a check ensures your payments are processed accurately and efficiently.

Understanding Check Components

Each check contains several distinct sections, each with a specific purpose. Your personal information (name and address) is at the top left. The top right features a date line for record-keeping and processing. The “Pay to the order of” line specifies the recipient.

A dollar sign box is for the numerical payment amount. Below this, a line is for writing out the payment amount in words, confirming the numerical value and preventing alteration. The bottom right signature line authorizes payment, making the check valid.

An optional memo line allows for a brief payment description, aiding personal record-keeping. Along the bottom are the routing number (identifying your bank), your account number, and the check number, which helps track each specific check.

Writing the Check Step-by-Step

Begin by filling in the current date on the date line in the upper right corner. On the “Pay to the order of” line, write the full, legal name of the person or organization receiving the payment. It is important to write clearly and legibly to avoid confusion.

In the small box to the right of the payee line, write the exact payment amount in numbers, ensuring to include both dollars and cents. For example, $125.50 should be written as “125.50”.

Write out the payment amount in words on the line below the payee’s name, precisely matching the numerical amount. For instance, “One hundred twenty-five and 50/100” should be used for $125.50. For whole dollar amounts, include “and 00/100” to prevent fraud. It is advisable to draw a line from the end of your written amount to the end of the line to prevent any additions.

Optionally, use the memo line to note the reason for the payment, such as “January Rent” or “Utility Bill.” Sign your name on the signature line in the bottom right corner, as this authorizes the bank to release the funds.

After Writing Your Check

After completing a check, record the transaction in your check register or personal finance software. This practice helps you track expenditures and maintain an accurate account balance, preventing potential overdrafts. You should assume the funds will be deducted promptly, even though it may take a few business days for the check to clear.

If an error occurs while writing a check, it is best to void the check by writing “VOID” across the entire front in large, clear letters. This ensures the check cannot be used and prompts you to record it as voided in your register.