How to Write a Check Without a Checkbook

Physical checks remain a necessary form of transaction. This guide will walk you through the process of acquiring and properly completing a check, even if you do not have your usual checkbook on hand.

Acquiring a Temporary Check

The most direct way to obtain a check without your personal checkbook is by visiting a branch of your bank. These are often referred to as “counter checks,” “temporary checks,” or “starter checks.” You will typically need to present a valid photo identification, such as a driver’s license, and provide your account number.

Bank staff can usually print these checks for you on the spot. These temporary checks generally come with your account and routing numbers pre-printed, which are essential for processing the transaction. However, they might lack personalized details like your name and address, which you may need to fill in manually. Banks may charge a small fee for these checks.

Key Information on a Check

Every check includes a space for the date, typically located in the upper right-hand corner. The “Pay to the order of” line is where you write the name of the person or entity who will receive the funds. There are two places for the amount: a small box for the numeric amount (e.g., “$123.45”) and a line below the payee for the written amount in words (e.g., “One hundred twenty-three and 45/100”).

An optional memo line provides space to note the purpose of the payment, such as an account number or invoice number. Your signature line, usually in the bottom right corner, is where you authorize the payment. At the bottom of the check, you will find a series of numbers: the routing number, which identifies your bank, and your account number. A check number, used for tracking, is also present.

Completing Your Check

Once you have a temporary check, you can proceed to fill it out. Begin by writing the current date in the top right corner. On the “Pay to the order of” line, clearly print the full name of the person or organization receiving the payment. Ensure legibility to prevent any processing issues.

Enter the numeric amount of the payment in the small box provided, making sure to include both dollars and cents. Write out the exact amount in words on the specified line, remembering to indicate cents as a fraction (e.g., “and 00/100”). This written amount is the legal amount of the check if there is a discrepancy.

Use the memo line for any relevant notes, such as an invoice number or the purpose of the payment; this is optional but helpful for your records. Sign your name clearly on the signature line in permanent ink, as the check is not valid without your authorization. Always use a pen and avoid leaving blank spaces to enhance security and prevent alterations.