It is understandable if you are unfamiliar with writing a check as they are not commonly used these days. The steps we will outline below guide you from the top of the check to the bottom. Please note that except for the last step, these steps can be done in any order as long as all of them are completed.
How to Write a Check
Before you begin filling out a check, you will need to order a checkbook from your bank. This requires having a checking account. If you are searching for a checking account, here are some options to consider.
Once you have a checkbook, follow the steps below.
1. Fill in the date:
At the top of the check, usually on the right-hand side, you will see a line where you write the date. Use the current date or a future date if you want the recipient to cash the check on a later date. This is known as a postdated check. For example, if you do not want someone to deposit a check for at least two weeks, you can write a date that is 14 days from now.
Please note that postdated checks may not be legally binding. The recipient can deposit or cash the check as soon as they receive it, and the bank can deduct the money from your account, regardless of the date written on the check.
2. Write the name of the person or business you’re paying:
Look for the section labeled “Pay to the order of,” with a line beside it. This is where you write the name of the recipient, whether it is an individual or a business. Make sure to use the person’s or business’s full name instead of their nickname. To confirm the correct name, you can inquire about the name they use at their bank. If you do not have a specific recipient, you can write the word “cash” on this line. However, be aware that this means anyone can deposit the check into any bank account. In this case, you need to be cautious about who you give the check to.
3. Write the amount of money using numerals:
Next to the recipient section, you will see a rectangle or a line with a dollar sign on the right. This is where you write the numerical amount of the check. For example, if you want to give your niece two hundred dollars for her birthday, write “$200”. To prevent fraud, make sure the numerals are large enough to fill the entire box or line.
4. Write the amount of money using words:
On the line just below “Pay to the order of,” write the amount of money in words. Ensure that the written amount matches the numerical amount. To further prevent fraud, consider filling up the entire line with the words and adding the word “only” at the end. For instance, if you are writing a check for $300, write “three hundred dollars only.” You can also draw a line from the amount to the end of the designated space.
5. Fill in the memo (optional):
In the bottom left corner, you will find a section with the word “memo” followed by a line. If you want to provide a reminder of the payment’s purpose, you can write it there. Alternatively, you can include a short message for the recipient. For example, if the money is for your niece’s birthday, you can write “Happy birthday!” or “For your birthday.” If the check is for utility bills, you can write your ID or account number as a reference for the payment processor. This section is optional, so it does not need to be filled out unless you have a reason to do so.
6. Sign the check:
Finally, sign the check on the line located in the bottom right corner. Your signature indicates to the bank that you agree to pay the recipient the amount stated on the check. Ensure that your signature matches the one on file at your bank.
Other tips for writing a check:
– Use pen instead of pencil to make it harder for the amount or recipient to be altered.
– Write legibly to make it difficult for unauthorized individuals to cash the check.
– Fill up the entire box or line when writing different parts of the check. If not possible, add a squiggly line on the blank spots to prevent additions.
– Double-check that all the information you wrote is correct before sending the check.
– Keep a record of the payment, including the check number, recipient, and amount, for future reference and tracking.
– Do not sign the check until all other sections are complete to prevent issues if the check gets lost.
In conclusion, checks can still be useful in certain situations, even though digital alternatives are more commonly used. By following these steps and taking precautions against fraud, you can effectively write a check and ensure your money reaches its intended destination.