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

A check is a written, dated, and signed document that directs a bank to pay a specific sum of money from one’s account to a designated recipient. While digital payment methods are prevalent, checks remain a relevant tool for various financial transactions, such as paying rent or making large purchases. Understanding how to correctly fill out a check is important for accurate and secure processing, preventing errors and potential fraud.

Understanding the Parts of a Check

A standard check contains several distinct areas, each serving a specific purpose. In the upper left corner, your pre-printed name and address identify the account holder. A check number, usually found in the upper and lower right corners, serves as a unique identifier for record-keeping and tracking the sequence of checks used.

The top right of the check features a line for the date. Below this, the “Pay to the Order of” line is for the name of the person or organization receiving payment. Next to this, a small box is for the numerical amount, while a longer line below it requires the amount in words. Writing the amount in both formats helps prevent alterations and clarifies the intended sum.

A memo line, typically in the bottom left, offers an optional space for a brief note about the payment’s purpose, such as an account or invoice number. The signature line, found in the bottom right, is where the account holder’s signature authorizes the payment. Along the bottom, coded numbers include the bank’s routing number, which identifies the financial institution, and your account number.

Step-by-Step Guide to Writing a Check

Begin by writing the current date in the designated line at the top right of the check, using either a numerical format like 08/25/2025 or spelling out the month, such as August 25, 2025. On the “Pay to the Order of” line, carefully write the full and accurate legal name of the person or entity you intend to pay. Avoid using nicknames or incomplete names to ensure the check can be processed correctly by the recipient’s bank.

In the small box to the right of the payee line, clearly write the payment amount in numerical form, including both dollars and cents. For instance, write “50.00” for fifty dollars and zero cents to prevent fraudulent additions. Below this, on the longer line, write out the exact same amount in words. For amounts with cents, express them as a fraction over 100, such as “Fifty and 00/100.”

After writing the amount in words, draw a line from the end of your writing to the word “Dollars” or the end of the line, which helps prevent anyone from altering the amount. The bank will typically prioritize the written amount if there is a discrepancy with the numerical value.

On the memo line, you can add a brief description for your records or to provide context to the recipient, such as “July Rent” or an invoice number. Finally, sign your check on the signature line in the bottom right corner, as this authorizes the transaction. Always use a pen with blue or black ink for all entries to ensure permanence and legibility.

Important Considerations After Writing a Check

After completing a check, maintaining accurate records is important for financial tracking and reconciliation. Immediately record the check number, date, payee, and amount in a check register or financial log. This practice provides a real-time record of your account balance and assists in identifying discrepancies when reconciling with your bank statement.

Security measures are also important to prevent misuse. Never leave blank checks unattended, and store your checkbook in a secure location to protect your banking information. If you make an error while writing a check, write “VOID” in large letters across the entire check, then dispose of it securely, ideally by shredding. This invalidates the check and prevents it from being cashed or deposited. Always double-check all entries for accuracy before issuing a check, as errors can lead to processing delays or fees.