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

Checks remain a relevant payment method for various transactions. While digital options are widespread, paper checks are common for situations like paying rent or individuals without digital alternatives. Understanding the proper procedure for writing a check ensures payments are processed correctly and securely. This guide outlines check components and provides clear instructions for completion.

Anatomy of a Check

A standard check contains distinct areas for specific transaction information. A line for the date is at the top right. Below this, the “Pay to the Order of” line specifies the recipient. To the right of the payee line, a box with a dollar sign is for the numerical amount.

Underneath the payee line, a longer line is for writing the payment amount in words. The bottom right corner has the signature line, which validates the check. A memo line in the bottom left allows for a brief note about the check’s purpose. Each check also has a unique check number, typically in the upper right corner and sometimes at the bottom, for record-keeping.

Step-by-Step Instructions for Writing a Check

Write the current date on the line in the upper right corner. You can use MM/DD/YYYY or spell out the month, such as “August 28, 2025.” On the “Pay to the Order of” line, write the full name of the individual or organization receiving payment. Accuracy ensures proper credit.

In the box next to the dollar sign, enter the exact payment amount in numbers. Start writing numbers close to the dollar sign to prevent unauthorized additions. For example, for fifty dollars and twenty-five cents, write “50.25.” Then, on the line below the payee’s name, write out the payment amount in words.

Ensure the written amount matches the numerical amount for clarity and security. For amounts with cents, write them as a fraction over 100, such as “Fifty and 25/100.” If the amount is a whole dollar, you can write “and 00/100” or “and no/100” to fill the space. After writing the amount, draw a line through any remaining blank space to prevent alterations.

Finally, sign your name on the signature line in the bottom right corner. Your signature authorizes the bank to release funds from your account. The memo line, in the bottom left, is an optional space to describe the payment reason, such as “August Rent” or “Utility Bill,” assisting with record-keeping.

Important Considerations for Check Writing

Always use a pen with permanent ink, such as black or blue, to prevent alterations or “check washing.” Filling all lines completely, including drawing a line through unused space after the written amount, deters fraudulent modifications.

Maintaining a check register or similar personal record is good practice. Immediately after writing a check, record the check number, date, payee, and amount to track expenditures and reconcile bank statements. Keep blank checks in a secure location, treating them like cash, to prevent unauthorized use. If a mistake is made, void the check by writing “VOID” across it and record it in your register, then shred the voided check to protect your information.