How to Write Dollars and Cents on a Check
Learn the essential steps to accurately write monetary amounts on checks, ensuring clarity and preventing common errors for valid transactions.
Writing a check requires precision to ensure the payment is valid and processed correctly. Errors, even minor ones, can lead to delays, additional fees, or potential legal complications. Understanding the specific sections for the monetary amount and how to complete them accurately helps prevent these issues.
Identifying the Amount Sections
A standard check provides two distinct areas for indicating the payment amount. Near the top right, typically adjacent to the date line and the “Pay to the order of” line, there is a small box. This box is designated for the numerical representation of the dollar and cents amount. Below the payee line, a longer line extends across the middle of the check, intended for the written, or “legal,” amount.
Entering the Numerical Amount
When entering the numerical amount, place it within the small box usually prefaced with a dollar sign ($). Write the full dollar amount, followed by a decimal point, and then the two-digit cents amount. For example, if the check is for one hundred twenty-three dollars and forty-five cents, write “123.45”. For whole dollar amounts, include cents as “00” (e.g., “$75.00”) to clearly indicate there are no cents and prevent alteration. After writing the numerical amount, fill any remaining space in the box with a dash or line to deter unauthorized additions.
Writing the Legal Line Amount
The legal line requires spelling out the full dollar amount in words. Begin this written amount at the far left of the line to prevent fraudulent additions. For example, for $123.45, you would write “One Hundred Twenty-Three and 45/100,” using “and” to separate dollars from cents, which are written as a fraction over 100. For whole dollar amounts, indicate cents as “00/100” (e.g., “Fifty and 00/100”) to maintain consistency and prevent alteration. After completing the written amount, draw a line from the end of your writing to the pre-printed word “Dollars” or the end of the line.
Verifying Both Amounts
After completing both amount fields, it is important to carefully compare the numerical and written amounts to ensure they match exactly. This consistency is important for the check’s validity and to facilitate smooth processing. Discrepancies between the two amounts can cause the check to be rejected or result in processing delays. In a conflict, the written amount typically takes legal precedence over the numerical amount, as stipulated by the Uniform Commercial Code (UCC). Ensure the written amount’s accuracy before signing the check.