How To Write A Check

Penulis Alaric Monday, May 15, 2023 Post a Comment

Writing a check may seem like an outdated task in today's digital age, but it's still a necessary skill to have. Whether it's for paying rent, making a donation, or just handing over some money to a friend, there are plenty of times when adding your signature to a little piece of paper is still called for. So, how do you write a check?

Step 1: Fill in the Date

The very first thing you need to do when writing a check is fill in the date. This lets the recipient know when the check was written, which is important for both them and you. If you're writing a post-dated check, meaning one that's dated for sometime in the future, make sure you double-check the date before handing it over.

Step 2: Write in the Payee

Next, you'll need to fill in the "Pay to the Order Of" line with the name of the person or company who will be receiving the money. This is where you need to be careful; check to make sure you're spelling their name correctly, and that you have the right entity (such as "Acme Inc.") if you're writing a check for a business.

A completed check with the payee line filled in.

Step 3: Fill in the Dollar Amount

This is where the value of the check comes in. Fill in the numerical amount in the big box on the right, and then write it out in words on the line below. This helps prevent any confusion or errors. For example, if you were writing a check for $75, you would fill in "75.00" in the box and then write out "Seventy-five dollars and 00/100" on the line below.

A breakdown of the numerical and written dollar amount on a check.

Step 4: Add a Memo

This step is optional, but can be useful in case there's any confusion about what the payment is for. Write a quick memo note on the line that usually says "Memo" or "For." This could be as simple as "Rent" or "Gift for Mom's Birthday."

A completed check with the memo line filled in.

Step 5: Sign and Finish

Finally, it's time to sign the check. Sign your name on the line in the bottom right corner, using the same name that appears on the account where the funds will be drawn from. And that's it! Just tear off the check along the perforated line, and it's ready to go.

A completed check signed and ready to be used.

Of course, there are a few other things to keep in mind when writing a check. Here are some tips, ideas, and steps to follow:

Double-Check Everything

Before handing over a check, double-check that everything is correct. Make sure you spelled the payee's name correctly, that the numerical and written amounts match, and that you've signed the check. Little mistakes can cause big problems.

Always Use Ink

When writing a check, always use ink (preferably, blue or black). Pencil or other erasable writing instruments can be easily altered or erased, making it easier for someone to commit fraud.

Keep Good Records

It's important to keep good records of any checks you write. Make a note of who the check was to, when it was written, and what it was for. You'll need this information come tax time or if there's any question about the payment.

Be Mindful of the Available Funds

When writing a check, make sure you have enough money in the account to cover it. Writing a bad check can result in fees, legal issues, and damage to your credit score. If you're unsure, check your account balance before writing a check.

Don't Rip up or Throw away Old Checks

Even if a check is from years ago and you don't think it has any value, don't just toss it in the trash. Instead, write "VOID" across the front or back of the check and save it. This will prevent someone from stealing the check and using it fraudulently. You can then shred or otherwise securely dispose of it.

In Conclusion

Writing a check may seem like a small, tedious task, but it's an important skill to have. Now that you know the steps, tips, and ideas to follow, you'll be well-equipped to write checks with confidence and accuracy.

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