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

A check serves as a formal written instruction to a bank, directing it to pay a specific amount of money from your account to a designated recipient. While digital payments are common, checks remain a relevant and widely accepted method for various transactions, including paying bills, making purchases, or transferring funds. Understanding how to properly complete a check ensures your payments are processed accurately and securely, providing a clear record of your financial activities.

Understanding Check Components

A standard check contains several distinct areas, each serving a unique purpose:
The date line, located in the top right.
The “Pay to the Order of” line, for the recipient’s name.
A box for the numerical amount, to the right of the payee line.
A longer line for the written-out amount, below the numerical box.
The “Memo” or “For” line, in the bottom left, for a brief note.
The signature line, in the bottom right, for authorization.
Pre-printed bank routing, account, and check numbers at the bottom.

Filling Out Each Section

Date

Write the current date in the upper right-hand corner of the check, including the month, day, and year. This ensures clarity and proper record-keeping.

Payee

On the “Pay to the Order of” line, clearly print the full legal name of the individual or organization receiving the payment. Accuracy here helps prevent issues with the check being cashed or deposited.

Numerical Amount

In the small box to the right of the payee line, write the numerical amount using clear, legible numbers. For instance, if paying fifty dollars, write “50.00.” Ensure the decimal point is clearly visible, and that cents are accurately represented, even if they are zero.

Written Amount

Write out the exact amount in words on the long line below the payee line. For fifty dollars, write “Fifty and 00/100 Dollars,” ensuring cents are included as a fraction over 100. This acts as a safeguard against fraudulent alteration. After writing the amount, draw a line from the end of the written amount to the “Dollars” pre-print to prevent additional words from being added.

Memo Line

The memo line is optional but useful for noting the payment’s purpose, such as an account number or invoice reference.

Signature

Sign your name legibly on the signature line, matching the signature on file with your bank. A clear, consistent signature is necessary for the bank to honor the check.

Recording and Handling Your Check

Record transaction details immediately in your check register or digital tracking system. This record should include the check number, the date it was written, the payee’s name, and the exact amount of the payment. Maintaining an accurate register helps you reconcile your bank statements and track your available funds, preventing overdrafts.

If you make an error while writing a check, or if the check is no longer needed, void it to prevent unauthorized use. Write the word “VOID” in large letters across the entire front of the check. Retain the voided check for your records, as it serves as proof that the check was issued but not used.