How to Write Forty Dollars on a Check

A check functions as a written order instructing a bank to pay a specific amount of money from your account to the person or entity named on the check. These documents are legally binding instruments, and their proper completion is important to ensure transactions are processed correctly and to prevent potential financial discrepancies. Accuracy in every detail helps safeguard your financial transactions.

Writing the Numerical Value

The first step in preparing a check is to accurately record the numerical value.

This amount, such as $40.00, is placed in the “dollar box” or “amount box” on the right side of the check.

Begin by writing the dollar sign ($) directly before the numbers. Clearly write “40” to represent the forty dollars.

After the whole dollar amount, insert a decimal point and two zeros (“00”) to indicate zero cents, even for exact dollar amounts. This consistent format, like “$40.00,” helps maintain clarity and prevent alterations.

Writing the Word Value

The written amount on a check serves as the official legal tender, taking precedence over the numerical value in case of a discrepancy.

To write “Forty and 00/100 Dollars,” locate the long line below the payee line. Start writing the words as far to the left as possible on this line, which helps prevent anyone from adding extra words before your intended amount.

Use the word “and” to separate the whole dollar amount from the cents. For a whole dollar amount, represent the cents as “00/100,” signifying zero cents.

This “00/100” notation prevents fraudulent alterations by clearly indicating no additional cents.

Some checks may feature a pre-printed “Dollars” at the end of the line, in which case you might only need to write “Forty and 00/100.” Always ensure your handwriting is clear and legible to avoid any misinterpretation.

Ensuring Clarity and Security

After completing both the numerical and word values, take additional steps to enhance the check’s clarity and security.

Once the word amount is written, draw a horizontal line through any remaining blank space on that line, extending to the pre-printed “Dollars” or the end of the line. This simple measure prevents unauthorized individuals from inserting additional words or numbers.

Always use permanent ink, such as blue or black, as it resists fading and smudging, making alterations more difficult to conceal.

Before signing and issuing the check, review it to confirm that the numerical and word amounts match precisely, providing an extra layer of verification. This review is important because if the numerical and written amounts differ, the written amount is generally considered the legally binding one.