How to Write a Check
In this comprehensive guide, we'll walk you through the 6 fundamental steps of check writing to ensure you have the knowledge and confidence to fill out a check correctly.
6 Steps to Fill Out a Check
There are several steps to writing a check that ensure accuracy and security. Here's your step-by-step guide:
The date goes in the upper-right corner of the check. You can do this by writing it in month-date-year or numbers format. For example, June 27, 2023, or 6/27/2023.
The "Pay to the Order of" line is for the name of the person, business, or organization this payment is for. For individuals, make the check out using their full and accurate name.
To the right of the payee line, fill in the amount of money you’re paying using numerals, including dollars and cents. For example, if you're writing a check for $100.50, you would write "100.50."
Below the payee line, write out the dollar amount in words. Be sure to write the amount accurately, using proper capitalization. If the amount includes cents, you can write that portion as a fraction. Following the example above of $100.50, write "One Hundred dollars and 50/100."
Note: If the written amount does not fill up the entire line provided, draw a line to the end so the check amount cannot be altered. For even dollar amounts, you can write “even.” For example, $100.00 can be written “One Hundred dollars even.”
In the memo field, you can include a note or description of what the payment is for. You can also include any additional information, such as an account number or invoice number. This is optional but can be helpful for record-keeping and clarification.
Sign the check in the bottom-right corner. Your signature is a crucial part of the check because it verifies that you authorize the payment.
Additional Check Writing Tips
- Use a pen, not a pencil.
- Use only blue or black ink instead of colored or gel pens.
- Write in print instead of cursive. Your signature should be the only cursive.
- Keep track of check numbers and maintain records of checks paid.
What Is a Postdated Check?
A postdated check is when the check writer uses a future date, indicating that the check should not be cashed or deposited until then. Postdating can be used to delay the payment until funds become available. Both the check issuer and the recipient should be aware of the postdated status to prevent accidental or premature cashing, as banks may or may not honor the check before the specified date.
Can I Write a Check for “Cash”?
Checks can be written for cash by leaving the "Pay to the Order of" line blank or by writing "Cash" there.
Note: Writing a check for cash becomes equivalent to carrying that amount of money in cash, so if the check is lost or stolen, it can be easily cashed by anyone who finds it. Only write checks out for cash when you intend to cash them immediately to minimize security risks.
Why Draw a Line After the Written Amount on a Check?
Drawing a line after writing the amount in words on a check serves as a security measure to prevent any alterations or unauthorized changes to the written amount. This line, often called a "courtesy amount line" or "amount in figures line," creates a clear visual barrier that makes it more difficult for anyone to tamper with the check by adding digits or altering the intended amount.
Do Unused Checks Expire?
Unused checks typically do not have an expiration date, and you can continue to use them as long as your bank account remains open and active. If you switch banks or your bank undergoes significant changes in its policies or systems, your old checks may no longer be accepted, so consult with your bank or financial institution for specific guidance on the use of unused checks.