How to Write Checks and Fill Out Every Section

A check serves as a written order instructing a bank to pay a specific amount of money from your account to another individual or entity. This financial document provides a secure and traceable method for making payments without needing physical cash. Properly completing a check ensures payments are processed correctly and securely.

Understanding Check Components

A standard check contains several distinct areas. The date line, usually located at the top right, indicates when the check was written. Below this, the payee line specifies the full name of the person or organization receiving the funds. A small box next to the payee line holds the numerical dollar amount.

Below the numerical amount, a longer line allows for the dollar amount to be written out in words. The memo line, typically in the bottom left, is an optional space for a brief note about the payment’s purpose. Finally, the signature line on the bottom right is where the account holder authorizes the payment.

Step-by-Step Guide to Writing a Check

Begin by writing the current date on the date line, which helps track when the payment was initiated. Clearly print the full name of the recipient on the payee line to ensure the funds go to the intended party. Next, write the numerical amount in the dollar box, ensuring the numbers are legible and placed close to the dollar sign to prevent alteration.

Spell out the dollar amount in words on the designated line, starting at the far left to prevent additions, and add “and xx/100” for cents. For instance, one hundred dollars and fifty cents would be “One Hundred and 50/100.” You may add a brief note on the memo line if desired, explaining the payment’s purpose, such as “Rent” or “Utility Bill.” Conclude by signing your name on the signature line exactly as it appears on your bank’s records, which validates the check.

Important Considerations When Writing Checks

Always use a pen with permanent ink to complete a check, as this prevents alterations and ensures legibility. Keep blank checks in a secure location to prevent unauthorized use or theft. If you make an error while writing a check, it is best to void it by writing “VOID” across the entire check and then writing a new one.

To void a check, securely store the voided document for your records. When writing a check to yourself, use “Cash” or “Self” on the payee line; however, be aware that “Cash” checks can be cashed by anyone possessing them. A check is generally valid for six months from its date.