How to Write a Check?

Follow these easy steps to know how to write a check:

Step 1: Date the Check

Start by writing the current date on the line provided in the upper-right corner of the check. Use the standard date format, which is typically “DD/MM/YYYY.”

Step 2: Fill in the Recipient’s Name

On the line that says “Pay,” write the full name of the person or organization that will receive the payment. It’s important to write the name clearly and accurately to avoid any confusion.

Step 3: Write the Check Amount in Numbers

On the line next to the dollar symbol ($), write the exact amount you want to pay using numerals. Include any cents, if applicable, by separating them from the dollars with a decimal point.

Step 4: Write the Check Amount in Words

On the line below the recipient’s name, write out the payment amount in words. Begin with the dollar amount, followed by the word “and,” and then mention the cents as a fraction over 100.

FUN FACT: Do you want to know something funny (or maybe not so funny)? An entrepreneur added extra zeros to the check after getting one from Shark Tank!

So, what do we learn from this?

It is crucial to emphasize the word “only” at the end to indicate that the amount specified in the words is the only amount that should be paid.

For example, if the amount is $5,000 and 50 cents, you would write “Five thousand and 55/100 only.” 

Writing “only” at the end acts as a safeguard against fraudulent activities, as it clearly indicates that no additional amounts should be added to the written amount.

Step 5: Add a Memo

This is your opportunity to leave a personalized message or a cryptic note on the check. So, if desired, you can write a brief memo or note in the designated section of the check to indicate the purpose of the payment or provide any additional information. 

Step 6: Sign the Check

At the bottom-right corner of the check, sign your name using the signature associated with your bank account. Your signature serves as validation and confirms the authenticity of the check.

Writing a check can be confusing! People who are regularly indulged in banking or any other financial activity know the process, but if you are a newbie, then it can be difficult.

But honestly, in this digital age, where online transactions dominate the financial landscape, writing a check seems like a lost art. However, it is a fundamental skill that can come in handy in various situations. 

Although, many people do not use checks these days but it is one of the secure ways of doing payment and if not written properly, they may be rejected by the bank. Thus, it is essential that one must know the complete process of “How to write a check” and be familiar with all its components.

So, in order to help you with the same, we have written this article where you will be guided through the complete process.

Whether you need to pay bills, make donations, or settle personal debts, understanding how to write a check is a valuable skill to possess. 

For those unfamiliar, a check is a written order instructing a bank to pay a specific amount of money to a designated recipient or payee. And lucky for you, we will take you through the step-by-step process of writing a check, ensuring that you master this essential aspect of personal finance.