Writing a check is an important task for every person who has at least a bank account. You must have a back account either personal or business to issue a check. If there are errors and mistakes for filling out a check, there will be problems.
It is easy to write a check but you must know all guidelines to avoid mistakes. Generally, all steps to write a check are same on global level.
A simple check usually looks like this:
Follow below steps carefully to know “how to write a check”.
Table Of Contents
How To Write A Check: Step By Step Guide To Fill Out A Check
- Date (Compulsory)
- Payee / Recipient(Compulsory)
- Exact Amount in Numbers(Compulsory)
- Exact Amount in words(Compulsory)
- Memo (Optional)
Detail of each step to write a check
First of all, write exact date on the upper right corner of check. Date must be written in correct format (Month/Day/Year). You can write like 04/20/2016 or April 20, 2016.
- Payee / Recipient:(Compulsory)
Write payee or recipient name next to “Pay to the Order of”. If you are sending check to a person, then write name of that person. If you are giving check to some company or organization, then write the name of company or organization. Only that person or company (name on check) are authorized to deposit the check.
If you simply write cash instead of name, then anyone can cash out that check.
- Exact Amount in Numbers:(Compulsory)
Write exact amount in numbers to the right side of dollar ($) sign. For example: If you want to issue forty dollar check then write “40.00” without commas. For ten dollar and fifty cents check, you should write “20.50” without commas. Write exactly to the right side of dollar sign so no one can add a digit.
- Exact Amount in Words:(Compulsory)
Write exact amount in words below to the title “Pay to the Order of”. For example: A check of “20.50” amount should be written as “twenty dollars and 50/100” without commas. A check of “40.00” should be written as “forty dollars and 0/100”. You can also draw a line from amount (in words) to the dollar sign to avoid any fraud activity.
Now sign your check to the bottom right corner. Your signature should be same according to your bank account record.
- Memo: (Optional)
Write description of nature of payment to the bottom left side of check. Writing a description is not compulsory. Your check may contain the word “Memo” or “For”. But a description will help you to reconcile your bank statement. If you are paying your rent, then write “Rent” without commas. Just write your purpose of payment.
How To Write A Check: (Precautions)
Always check the following before writing a check:
- Check Number:
A check number must be printed on a check usually at the top right corner. Every check has a different number.
- Account Number:
Account number must be printed on the check. Every check has same account number printed by the bank. You can find account number usually at the mid bottom side of check.
- Routing Number (Branch Number):
Every bank has a routing number. This number is same for all account holders of that bank or branch. Routing number (Branch Number) generally printed at the left bottom side of the check.
How To Write A Check: (Pro Tips)
- Never sign a check without writing the name of payee and exact amount. A blank check with your signatures is too risky for your bank balance.
- Never write Cash in front of “Pay to the Order of”. It is just like a blank check. If you lost cash check, anyone can get cash from your bank unless you inform bank about lost check. If you need cash, use your ATM/Debit card or get it from bank teller.
- When you write a check and issue to somebody, always make a photocopy of your issued checks to reconcile your bank statements.
- Always try to use a permanent signature, don’t make the habit of changing signature after some period. A permanent signature helps your bank to identify your signature easily to avoid any fraud activity.
- If there is some mistake in writing a check, write VOID or CANCEL on the front side of check.
- Always use a permanent pen to write a check. Try to use a gel pen for more safety to fill out a check.
- If you want to pay check amount on a certain date in future, then write that date on check. A postdated check can’t be processed before date written on check.
- Always write the correct spellings of payee name, use correct date format. Otherwise check will be rejected.
- There is no need to write anything on the back side of check.
- If there is difference in amount written in numbers and words on check, then check will be rejected.
How To Write A Check: Final Summary
So here is a quick recap to refresh your memory:
- Write Date, Payee Name, Amount in Numbers and Words and sign the check (Compulsory Steps).
- You can add a memo to remember check issue purpose(Optional).
- Just check the account number, routing number and check number.
- Don’t write blank checks/cash checks to avoid frauds.
- Always use one permanent signature.
How To Write A Check: Get More Info
In this guide, I have explained you how to write a check. If you find this article useful, please give your comments below to provide feedback and updates.