How to Write a Check in 5 Easy Steps

Checks are still used in some instances, despite the rise of electronic transfers. Here are the five steps to write a check:

Fill in the Date

Enter the current date on the line at the top right corner of the check. In the United States, the format is month-date-year. It is important to use the correct date because banks may not accept checks that are postdated or too old.

Name the Recipient

On the line that says “Pay to the Order of,” write the full name of the individual or company you want to pay. Using a nickname is not advisable. If the check is for a business, use its full name.

Fill in the Amount with Numerals

In the small box to the right of the recipient’s name, write the numerical dollar amount you want to pay. Make sure to write the amount clearly and close to the left-hand side of the box to prevent alteration.

Write Out the Amount in Words

On the line below the “Pay to the Order of” line, write out the dollar amount in words. Be sure to include cents as a fraction (e.g., 50/100) or use the word “even” if the amount is even. This helps prevent fraud.

Sign the Check

Sign your name on the line at the bottom right corner of the check. Your signature is mandatory; the recipient will not be able to cash the check without it.

Additional Tips

• Always use a pen, not a pencil, when filling out a check.
• Write legibly to prevent any confusion.
• Double-check the details on the check before handing it over to ensure accuracy.
• Keep track of check numbers and maintain records of checks paid.

Conclusion

Writing a check is a simple process that can be completed in a few minutes. By following these steps and using a pen, you can ensure that your checks are filled out correctly and securely.

Sources:

• https://www.investopedia.com/personal-finance/how-write-check.asp
• https://www.nerdwallet.com/article/banking/how-to-write-a-check
• https://www.bankrate.com/banking/checking/how-to-write-a-check/

FAQs

What is the correct format for the date on a check?

In the United States, the date on a check should be written in month-date-year format. For example, January 15, 2023 would be written as 01/15/2023.

Can I use a nickname for the recipient’s name on a check?

No, you should use the full legal name of the individual or company you are paying. Using a nickname may cause confusion and delay the processing of the check.

What should I do if I make a mistake while filling out a check?

If you make a mistake, void the check by writing “VOID” in large letters across the front of the check. Then, write a new check. Do not attempt to erase or alter the mistake.

Is it necessary to write out the amount in words on a check?

Yes, it is necessary to write out the amount in words on the line below the “Pay to the Order of” line. This helps prevent fraud by making it more difficult to alter the amount of the check.

What is the purpose of the memo line on a check?

The memo line is optional, but it can be used to provide a brief note about the purpose of the check. This can be helpful for your own records or for the recipient’s records.

How long is a check valid for?

Checks are generally valid for six months from the date they are written. After six months, the bank may not honor the check.

What should I do if I lose a check?

If you lose a check, you should immediately contact your bank and ask them to stop payment on the check. You may also need to file a police report.

Can I write a check to myself?

Yes, you can write a check to yourself. This is a common way to transfer money between your own accounts.