How to Write on a Check: A Step-by-Step Process

Checks remain a relevant payment method, even in an increasingly digital financial landscape. Knowing how to accurately complete a check is important for ensuring secure and correct transactions. This skill helps facilitate payments for various purposes, from personal bills to business expenses.

Step-by-Step Guide to Filling Out a Check

Begin by dating the check in the upper right-hand corner. This date serves as a timestamp for the transaction. You can use either a numerical format (e.g., 08/08/2025) or spell out the month (e.g., August 8, 2025).

Next, on the “Pay to the order of” line, write the full name of the person or organization receiving payment. Accuracy is important, as banks typically only honor checks made out to the specified payee. Avoid leaving this line blank, as it could allow unauthorized individuals to cash the check.

In the box to the right of the payee line, write the payment amount numerically, including dollars and cents. For example, if paying one hundred thirty dollars and forty-five cents, write “130.45.” Fill the space completely to prevent any alteration of the amount.

Below the payee line, write out the payment amount in words. This written amount should match the numerical amount entered in the box. When writing the cents, express them as a fraction over 100, such as “and 45/100.” If the amount is a whole dollar, write “and 00/100” to ensure clarity and deter fraud.

The “Memo” line, typically found in the lower left corner, is an optional space for a brief note about the payment. This could be an account number, an invoice number, or a description of the purpose, such as “August Rent” or “Utility Bill.” While not required for the check’s validity, it can be helpful for your personal record-keeping.

Sign your name on the signature line in the bottom right-hand corner of the check. Your signature authorizes the bank to release the funds from your account. It is recommended to sign the check last, after all other details are filled in and reviewed.

Essential Check Writing Practices

For security and clarity, always use permanent ink, such as a blue or black gel pen. This makes it harder for criminals to alter the check through methods like “check washing,” where the original writing is erased.

Ensure all necessary fields on the check are completely filled in, leaving no blank spaces. After writing the numerical and written amounts, draw a line through any remaining empty space on those lines. This practice helps prevent unauthorized additions to the payment amount.

Maintaining a check register is valuable for tracking your financial transactions. Record each check you write, noting the date, payee, amount, and purpose. This log helps you monitor your spending, reconcile your bank statements, and quickly identify any discrepancies or fraudulent activity.

Before handing over a check, review all entered information. Double-check the date, payee name, numerical amount, and written amount to confirm they are accurate and consistent. This final review helps prevent errors that could lead to processing delays or financial complications.