How to Write a Check

Welcome to how to write a check, our website related to check writing. If you have been looking for how to write a cheque or cheque writing, then you are right here, too, because “cheque” is the British English spelling for “check”. As you can see in this article, filling out a check isn’t difficult at all, provided that you can spell English numbers properly. If you are writing a check for the first time it may seem a bit overwhelming, but it isn’t difficult at all, and as with everything practice makes perfect. Keep reading to learn how to write out a check in the United States.

How to Write a Check with Cents

Here we show you writing a check with cents. There are five mandatory fields and one optional filed we need to discuss in the context of writing checks with cents.

In the upper right hand corner there is a blank line above the word “Date.” Write the current date on that line. The date format is up to you as long as it contains the month, date and year.

Post-dating a check, that is putting a date later than the actual one, is not recommended because the rules regarding post-dated checks vary greatly among legislations and banks.

Moreover, once a check is signed, it is a legal tender, irrespective of the date on the check. Thus, in the absence of sufficient funds overdraft or non-sufficient funds penalties may apply.

How to Write a Check Date

Next, write the name of the recipient you are sending the check to next on the line right to “Pay to the Order of.” If the check is going to an individual, include both, their first and last name.

If the payee is a company or organization write out its full name. Get that information right before you start writing by asking the business, organization or individual what to fill in.

How to Write a Check Payee
Then, write the amount in the box to the right of the dollar sign, separating dollars and cents by a decimal point. For a check over thousand dollars you may use commas as thousands separators.

How to Write a Check Amount in Decimals
After that, write the amount in word form underneath “Pay to the Order of”. On the line that ends in “dollars” insert the number word for the dollars, followed by “and [1-100]/100 cents”.

To avoid fraud begin as far to the left on that line as possible, and to ensure nothing can be added to the leftover space, you may draw a line after the cents down to the word “dollars”.

Even if the check amount is very large, the amount must be stated as explained, including the cents as a fraction of hundred. Here you can find many numbers in words.

How to Write a Check Amount in Words
Optionally, fill out the memo section labeled “FOR” on the bottom left of the check for your own records and because businesses like when you tell them what it’s for, e.g. by the invoice number.

How to Write a Check Memo
Thereafter, sign the check on the line in the bottom right corner. A check isn’t valid until you sign it duly ensuring that the signature matches the signature on file at the bank.

How to Write a Check
Next is how to fill out a check without change.

How to Write a Check without Cents

To write a check without cents proceed as explained above in how to write a check with cents, except for the amount as decimal and text.

In the decimal part write “00” for a check without cents, and for the textual amount either put in writing “and No/100”, “and xx/100”, or “and 00/100” as depicted in the following images.

How to Write a Check without Cents
How to Write a Check without Cents 2
How to Write a Check without Cents 3
BTW: The textual amount is the legal amount of your payment. If the amounts differs from the numeric amount you have put in the box, the amount you wrote with words prevails.

According to the Uniform Commercial Code § 3-114, Contradictory Terms Of Instrument:

“If an instrument contains contradictory terms, typewritten terms prevail over printed terms, handwritten terms prevail over both, and words prevail over numbers.”

Ahead we discuss how to write a check for cash.

How to Write a Check for Cash

How to write a check for cash is pretty simple: Write “Cash” without the quotations marks in the payee field so that anyone can cash it.

How to Write a Check for Cash
For non-US checks carrying the word “bearer” you don’t have to put “Cash”. However, you must cross out bearer and insert the payee information is you want your check to be of type noncash.

In the next paragraph we explain the legal terms related to check writing and go on to describe the other parts of a check, followed by the summary of our information.

BTW: Some of the most searched checks on our site are:

How to Fill out a Check

You have reached the concluding part of our article about how to fill out a check. We are left with explaining relevant legal terms as well as some more parts of a check:

  • Drawer: The entity writing the check is called the drawer
  • Drawee: The entity, typically a financial institution, who must pay the check
  • Bearer: Whomever has the check in its possession is called the bearer
  • Routing number: The number on the left bottom of the check is called routing number, a specific nine digits bank identifier
  • Account number: To the right of your routing number there is the account number of the drawer
  • Check number: In the top right corner as well as to the right of the account number you can find the check number reflecting the sequential order of the check book

In the context of writing a check, the frequently asked questions include, for example:

  • How to write out a check?
  • How do you write a check?
  • How to write checks?
  • How to sign a check?
  • How to fill out check?
  • How to write a check out?
  • How to write a personal check?

Now, you should be in the position to answer them without difficulties. However, if something about writing a check remains unclear then don’t hesitate to getting in touch with us.

You can either fill in the comment form at the bottom of this page, or send us an email with a meaningful subject like how to fill out a check or proper way to write a check.

Note that you can also locate many checks amounts using the search form, which is located either at the end of this article, or in the sidebar, depending on your computing device.

Enter, for instance, how to fill out a check in the amount of x, or writing a check for x, with x being the placeholder for the amount and currency under consideration.

Last, but not least, never ever sign a blank check because in case of theft or loss, anyone can fill in their name to steal a large amount of money from you.

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2 comments on “How to Write a Check
  1. Johnnie acy says:

    Thank you i need this formation

  2. Mary Jo Forren says:

    Writing checks are familiar to me because of my age that is the way we always paid bills in my early times of raising children. So much has changed in my lifetime that I never had the sense to keep up with at the time.

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