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

A check functions as a written order directing a bank to pay a specific sum of money from a checking account to a designated recipient. While digital payment methods are common, checks remain a recognized form of payment for various transactions, including bill payments and personal transfers. Understanding how to properly complete a check contributes to fundamental financial literacy.

Understanding Check Components

Each section of a check serves a distinct purpose. The upper right corner provides a line for the current date. Below this, the “Pay to the order of” line indicates where the recipient’s name or organization is placed. To the right, a small box allows for the numerical payment amount.

Directly beneath the payee line, a longer line is dedicated to writing out the payment amount in words. At the bottom right of the check, a signature line confirms the payer’s authorization for the transaction. A “Memo” line, typically in the bottom left, offers space for a brief note regarding the payment’s purpose. Along the bottom edge of the check are the routing number, account number, and the check number, which are pre-printed identifiers.

Step-by-Step Check Writing

Writing a check involves filling out each section accurately. Begin by writing the current date on the date line, typically in month/day/year format. Next, clearly print the full legal name of the recipient on the “Pay to the order of” line. This ensures funds are directed to the intended party.

After specifying the payee, write the exact numerical amount in the small box, next to the dollar sign (e.g., “50.25”). Immediately following this, write out the same amount in words on the designated line. For “50.25”, write “Fifty and 25/100 Dollars,” filling the entire line to prevent alterations and drawing a line through any remaining blank space.

Finally, sign your name on the signature line at the bottom right. Your signature authorizes the bank to release funds. The memo line is an optional space for a brief note, such as “Rent for August” or an account number. This aids in record-keeping for both you and the recipient.

Actions After Writing

After completing and signing a check, record its details in your checkbook register or financial tracking system. This entry should include the check number, date, payee, and amount. This helps reconcile bank statements and monitor your account balance to avoid overdrafts.

When delivering the check, ensure it reaches the recipient securely. For in-person delivery, hand it directly to the payee. If mailing, place the check in an envelope, address it clearly, and apply sufficient postage. Consider mailing checks from a post office instead of a home mailbox for enhanced security.

If you make an error or decide not to use a check, void it to prevent misuse. Write “VOID” in large letters across the front, covering the date, payee, amount, and signature lines. After voiding, securely shred or destroy the check to prevent unauthorized use.

Always store blank checks in a secure location. Never pre-sign checks, as this could lead to unauthorized withdrawals if lost or stolen.