Although digital payments have largely taken over, knowing how to write a check is still an essential skill. Whether it’s for personal reasons, paying bills, or special transactions, writing a check is simple once you understand the process. Here’s a clear, step-by-step guide to help you master the basics.
And if you’re looking for more tips on professional or everyday writing, be sure to check out our resource hub for helpful advice on improving your writing!
Step 1: Fill in the Date
Start by writing the date in the top-right corner of the check. Use a standard format like MM/DD/YYYY. For instance, write “10/15/2023” for October 15, 2023. This ensures clarity and provides a record of when the check was issued.
Pro Tip: Avoid postdating checks (writing a future date) unless you’ve agreed on it with the recipient. Some banks may still process postdated checks immediately.
Step 2: Write the Payee’s Name
Next, write the name of the person or entity you are paying on the “Pay to the Order of” line. Be as accurate as possible; any errors might prevent the check from being cashed or deposited.
For example, if you’re paying a company, use its full legal name, such as “ABC Supplies Ltd.” For individuals, include both their first and last name.
Step 3: Enter the Amount in Numbers
On the box to the right of the payee line, write the exact amount you’re paying in numeric form. Start close to the dollar sign to prevent anyone from adding numbers.
Example:
If you’re paying $150.75, write 150.75.
Pro Tip: Always include cents, even if the amount is a round number. For example, write “150.00” instead of just “150.”
Step 4: Write the Amount in Words
Below the payee line, you’ll see a blank line to write the payment amount in words. This step confirms the written amount matches the numeric value.
Example for $150.75:
Write one hundred fifty and 75/100 dollars.
Pro Tip: Add the word “only” at the end to avoid tampering. For instance, “One hundred fifty and 75/100 dollars only.”
Step 5: Include a Memo (Optional)
On the lower-left side, you’ll find the “Memo” line. Use this space to jot down the purpose of the check. This is optional but can help you and the recipient keep track of the transaction.
- Rent for October
- Invoice #12345
Step 6: Sign the Check
Finally, sign your name on the bottom-right line. Use the same signature that the bank has on file to ensure the check is valid. Never sign a blank check, as this poses a risk of theft or fraud.
Tips for Writing Checks Securely
- Use a pen: Always write with a dark-colored pen to prevent alterations. A pencil can be erased and tampered with easily.
- Double-check details: Ensure the payee name, amount, and signature are accurate before handing over the check.
- Avoid blank spaces: Fill in all areas to prevent unauthorized changes.
- Store checks safely: Keep your checkbook in a secure place to avoid loss or misuse.
- Monitor your account: Check your bank statements regularly to confirm all issued checks were processed correctly.
Common Mistakes to Avoid
- Misspelling the payee name: Double-check names to avoid any complications with cashing or depositing the check.
- Mismatch between numbers and words: If the written amount differs from the numeric amount, the bank may reject the check.
- Forgetting to sign: A check without a signature is invalid, so make sure to sign it before handing it over.
Why Learning to Write a Check Still Matters
Even in the age of apps like Venmo or PayPal, checks remain widely used in various scenarios like paying landlords, contractors, or small businesses. Knowing how to write a check ensures you’re prepared for any situation where digital payment isn’t an option.
And if you want to refine your writing skills for more formal communications, explore our tips and useful guides at sooperwrite.
Frequently Asked Questions
Can I Write a Check in Pencil?
No, you should never write a check in pencil. Pencil marks can be erased and easily tampered with, making your check vulnerable to fraud. Always use a pen with permanent ink to fill out a check.
Learn more about preventing check fraud from Fraud.org.
What Happens if I Make a Mistake on a Check?
Mistakes happen! If you’ve already written the check, write “VOID” across the front and shred it to prevent misuse. Start over with a new check to ensure accuracy and security.
For further details on voiding checks, visit The Balance’s Guide.
How Do I Void a Check?
To void a check, simply write the word “VOID” across the front in large, bold letters using a pen. Be sure to avoid signing it or filling out any other sections if it’s meant to be voided from the start. This is especially useful for setting up direct deposits or auto-debits.
Check out this step-by-step voiding guide from Chase Bank.
Can I Postdate a Check?
Postdating a check means writing a future date on it. While technically allowed, it’s not foolproof, as some banks may process postdated checks immediately upon deposit. Always coordinate with the payee before issuing a postdated check.
For more on postdating policies, refer to your bank’s guidelines, such as Wells Fargo’s FAQ.
How Long Is a Check Valid?
Checks are typically valid for six months (180 days). However, some checks, like cashier’s checks or money orders, have different validity periods. Always confirm with your bank if you’re not sure.
You can read more about check expiration policies on Investopedia.
What Should I Do if My Check Is Lost?
If your check is lost, contact your bank immediately to stop the payment. Provide the check number, amount, and payee details for better assistance.
For step-by-step instructions, visit Bank of America’s lost check guide.
Can I Cancel a Check After It’s Issued?
Yes, you can cancel a check by submitting a stop-payment request to your bank. Keep in mind that banks may charge a fee for this service, so it’s best to act quickly.
For more details, here’s a guide to canceling checks from the CFPB.
Mastering the art of writing a check is an important life skill. With this detailed guide and answers to common questions, you’re now well-equipped for handling checks confidently. For more writing tips and guides, head over to sooperwrite.com and explore how you can elevate your skills in all areas of writing!
