Writing a check might seem simple, but even minor errors can lead to complications like bank rejections, delays in payment, or potential fraud. To help you avoid these issues, we’ve compiled a list of common mistakes people did not know how to write a check make when writing checks and practical tips to prevent them. Whether you’re new to writing checks or just need a refresher, these insights will ensure your checks are always processed smoothly.
1. Forgetting to Sign the Check
A missing signature is one of the most common mistakes and renders the check invalid. Without your signature, the bank won’t process the payment.
How to Avoid It
Make it a habit to sign the check immediately after filling out all other sections. Double-check your signature matches the one the bank has on file to avoid any discrepancies.
2. Mismatched Amounts in Words and Numbers
If the amount written in words doesn’t match the numeric amount, the bank might reject your check or process it based on the written words.
How to Avoid It
Take your time to ensure the monetary value written in words perfectly matches the numeric value. For example, if you’re paying $200.50, write “Two hundred and 50/100 dollars only.”
3. Using Incorrect or Illegible Payee Names
Misspelling the payee’s name or writing it illegibly can prevent the check from being cashed or deposited.
How to Avoid It
Write the payee’s name clearly, using their full legal name whenever possible. If you’re paying a business, make sure to include its formal name (e.g., “XYZ Supplies” instead of just “XYZ”).
4. Leaving Blank Spaces
Leaving blank sections on your check creates opportunities for tampering. For instance, someone could insert extra digits into a partially empty amount box to change the value.
How to Avoid It
Draw a straight line through any unused spaces. For example, after writing the payee’s name or amount, use a line to fill the remaining space.
5. Postdating Checks Without Coordination
While postdating a check (writing a future date) might seem helpful, it can lead to problems. Banks are often not obligated to wait until the date you’ve written; they can cash the check as soon as it’s deposited.
How to Avoid It
Only postdate a check if you’ve confirmed with the recipient that they’ll wait to deposit it. Otherwise, stick to the current date.
6. Writing Checks in Pencil
Using a pencil might seem convenient for making changes, but it also makes your check vulnerable to tampering and fraud.
How to Avoid It
Always use a dark-colored pen with permanent ink. This ensures the information cannot be erased or altered.
7. Incorrect Memo Details
While the memo line is optional, using it incorrectly can cause confusion. For example, vague memos like “Payment” may not jog anyone’s memory later.
How to Avoid It
Use the memo line to specify what the payment is for, such as “Invoice #12345” or “November Rent.” Clear details make the transaction easier to track.
8. Overwriting or Messy Corrections
Mistakes happen, but overwriting or crossing out information on a check can make it unclear or unacceptable to the bank.
How to Avoid It
If you make a mistake, void the check by writing “VOID” across the front and start fresh with a new one.
9. Using Old Checks
If you use checks from an outdated checkbook, the bank may reject them, especially if the account details have changed.
How to Avoid It
Always use checks from the latest checkbook issued by your bank. Double-check account and routing details to ensure accuracy.
10. Not Keeping a Record of Your Checks
Failing to note down your issued checks can lead to tracking issues or even overdrafts if you forget a check has been cashed.
How to Avoid It
Maintain a check register where you record each check you write, including details like the date, payee, amount, and memo. Many mobile banking apps also allow you to track issued checks.
Final Tips for Writing Secure and Error-Free Checks
Writing a check doesn’t have to feel tricky or intimidating. By paying attention to details and double-checking your work, you can avoid most common problems. For a step-by-step breakdown of how to write a check properly, be sure to check out our How to Write a Check: A Step-by-Step Guide. This guide walks you through each section of a check, complete with practical tips for doing it right the first time.
By mastering these basics and sidestepping common mistakes, you’ll never have to worry about check-related issues again. Stay confident and secure with every check you write!
