James likes to learn about technology and share what he learns through his articles.
Writing a Check
How to Write Out a Check
If you are filling out a check for the first time, or haven't filled one out for years, there is a little more anxiety involved. Even though checks are being replaced by other technologies, it's still good to know this skill which is outlined below.
Date the Check
The date of the check belongs in the top right-hand corner of the instrument. Knowing when the check was written is very important in the check-cashing process. If the check hasn’t been cashed within a year or a specified amount of time, it will go stale and will be deemed useless.
Address the Check to a Recipient
The next line down on the check to the right is labeled “Pay to the order of.” This is where the name of the recipient of the check goes. This could be someone’s names, a company name, and can even be made out to “cash.” This is the part of the check that you never want to leave blank because if it gets into the wrong hand it can be filled in by anyone.
Write the Payment Amount with Digits
The payment amount must appear in number form on the check to the right of the recipient’s name. This is one of two areas where you need to write the amount of the check. This needs to be written clearly especially if you are making an electronic transaction where a computer will be reading this written number.
Write the Payment Amount in Words
Below the recipient’s name, the dollar amount that was previously written on the check in numerical form needs to be written in English. Also, any fraction of a dollar needs to be written in the form of a fraction. Even if the value of the check has no cents, show the placeholder of zero in the fraction “00/100.” Writing this amount in clear cursive or print writing is important so the bank can confirm the value of the check.
Write a Memo
The area where a memo needs to be written for a check is usually labeled as “Memo” or “For.” This part of the check is optional, but it is good practice to fill this out whenever a check is completed. When writing a bill, the payer’s account number is written in this area. If writing the check to someone as a loan you may want to specify this fact.
Sign the Check
The last part of a check that needs to be signed this signature line. This is found on the bottom right-hand corner of the check. After signing this, the check becomes a legal financial instrument, so you may want to look it over one more time to make sure you have everything written correctly.
This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.
© 2019 James Smith
James Smith (author) from United States on January 06, 2019:
You know I didn't even think about writing it until I gave a cashier a check at the supermarket on her first day and she didn't even know what is was. I was amazed.
Lynn H Johnson from New York on January 05, 2019:
This is a great article. It always surprises me that so many people have never learned or have forgotten how to write a check .