How to Write a Check: A Step-by-Step Guide To Fill Out Check

How to Write a Check: A Step-by-Step Guide To Fill Out Check

How to Write a Check: A Step-by-Step Guide To Fill Out Check. Although checks are less popular than they were in the past, checks still remain widely used today, even in a digital world. Although paper checks are an efficient and affordable way to move money, you may not write one every day or have never done so before.

What is a check?

According to Wikipedia. A cheque, or check, is a document that orders a bank to pay a specific amount of money from a person’s account to the person in whose name the cheque has been issued. The person writing the cheque, known as the drawer, has a transaction banking account where their money is held.


Here is How to Write a Check: A Step-by-Step Guide To Fill Out Check

  1. Step 1: Date the check. Write the date on the line at the top right-hand corner. …
  2. Step 2: Who is this check for? …
  3. Step 3: Write the payment amount in numbers. …
  4. Step 4: Write the payment amount in words. …
  5. Step 5: Write a memo. …
  6. Step 6: Sign the check.

This tutorial will show you how to write a check. You can go through each step individually or use the example below as a guide for writing the checks. As long as you don’t miss any important information, you can go through the steps in any order that suits your needs. This example will show you how to move from the top end of a check down to the bottom. This should allow you not to skip any steps.


How to Write a Check: A Step-by-Step Guide To Fill Out Check

A completed check. Use this as an example or move through the steps below (View larger). Justin Pritchard

How to Write a Check: A Step-by-Step Guide To Fill Out Check, Here is a summary of the perfect check.

  1. Current date:This should be written in the upper right-hand corner. You will most likely use today’s date in most cases. This helps both you and your recipient keep accurate records. You can also Post date the check It doesn’t always work as you expect.
  2. PayeeWrite the name of the person/organization you are paying on the line that reads “Pay to the Order of.” It may be necessary to ask, “Whom do I send the check to?” If you are unsure what to write, this information must be exact.
  3. Numeric value of the amount: In the box to the right, write the amount you are paying. Write as far as you can to the left. To prevent fraud, if your payment is $8.15, the 8 should be up against the left-hand border in the dollar box. 
  4. Amount in wordsTo avoid confusion and fraud, write the amount in words. This is the official amount for your payment. This amount will be legally the amount of your check if it is not the same as the numeric amount that you entered in step 1. You should use all capital letters as they are more difficult to change.
  5. Signature: Sign the check in legibly on the line at the bottom-right corner. Make sure to use the same name and signature as your bank. This is a crucial step. A check won’t be valid if there isn’t a signature.
  6. Memo (or “For”) line:You can include a note if you wish. This step is optional and will have no effect on how the banks process your check. You can add a note to the memo line reminding you why you wrote the check. You can also write information that your payee will need to process your payment or locate your account in case anything is misplaced. This is where you can write your Social Security Number or an account number to pay the IRS.1

After writing the check keep a log of the payment. A Register. This is a great place to do it, regardless of whether you use an electronic register or a paper one. Not having to record the payment will prevent you from spending it twice. The funds will still appear in your account as available until the check is cashed or deposited. This could take some time. It is best to keep a record of the payment as soon as it occurs.

Before you write a check make sure you understand what it is that you are required to do. It’s cumbersome and not the most efficient way to move your money. There are other options available that can make your life easier, and save you money. For example, you can:

  • You can pay your bills online and tell your bank to automatically send you a check each month. The check will be delivered to you electronically, so there is no need to mail it, pay postage or write it.
  • You can also get a debit card to spend with. The same account will be used to pay, but it will be done electronically. There’s no need to use up checks (which you’ll have to re-order), and you’ll have an electronic record of your transaction with the payee name, the date of your payment, and the amount.
  • Set up automatic payments for regular payments like utility bills and insurance premiums. This is a great way to make your life easier and save money. Just be sure that you’ve always got enough cash in your account to cover the bill.

Whatever method you use to pay, ensure you have enough funds in your checking account. You could have problems with your payments, such as high fees or legal issues if you don’t have enough funds.

In your Check Register, record the payment

Make a note of the transaction in your check register. Copy everything from your check so you know what happened later. Calculate your running balance so you know how much money you have right now. Justin Pritchard

Keep a log of each check that you make in a checkbook. This will enable you to:

  • Keep track of your spending to avoid bounce checks
  • You should know where your money is going. The bank statement might only contain the amount and check number, but not any description of who wrote it.
  • Detect identity theft and fraud in your checking account.

When you received your checkbook, you should have been given a check register. You can make your own check register using paper or a spreadsheet if you don’t already have one.

All of the important information should be copied from your check.

  • The check number
  • Date you wrote the check
  • A description of the transaction, or the person who wrote the check.
  • What was the amount of the payment?

A diagram of the various parts of a check will provide more information.

You can use your register to balance your checking account. Double-checking transactions in your bank account is a practice that ensures you and the bank are on the right page. This will let you know if your account is in error and if anyone has not deposited a check that you wrote. It will also help you to believe that you have more money available.

A check register can give you an instant overview of your available money. Once you write a check, you should assume that the money is gone–in some cases, the funds are drawn from your account quickly because your check is converted to an electronic check.

Latest post

Tips for writing a check

Justin Pritchard

Make sure you pay the correct amount to the person or organization you are writing a check to when you send it in.

Checks that are lost or stolen can be altered by thieves. There are many ways that checks can be lost once they have left your hands. Make it difficult for thieves not to cause you headaches. You will need to spend time and effort cleaning up after fraud, regardless of whether you lose your money forever.

How to Write a Check: A Step-by-Step Guide To Fill Out Check

Security Tips

To reduce the chance of fraud in your account, you can adopt the following habits.

  • It should be permanent When you are writing a check, use a pen. Anyone with an eraser and a pencil can alter the amount of your check or the name of the payee if you use a pen.
  • No blank checks:After you have filled out the details of the payee as well as the amount, don’t sign a cheque. You don’t have to know who the check is payable to or how much it costs. Just bring a pen. It’s safer than giving someone unlimited access to your checking account.
  • Make sure to keep your checks from growing Make sure that you do not add to the dollar amount when you fill it in. Start at the left edge of your space and draw a line following the last digit. If your check is $8.15, for example, place the “8” as far as you can. Draw a line from your right side to the “5” and end the space. Or, write numbers so large it is difficult to add numbers. You can leave space so that someone can add numbers to your check, which could end up being $98.15 and $8,159.
  • Carbon copies Checkbooks with carbon copies are a great option if you need a paper record for every check you write. These checkbooks come with a thin sheet that contains a copy of each check you write. This allows you to quickly see where your money went, and what you wrote on each check.
  • Consistent signature Many people are unable to sign with a legible signature. Some even sign checks or credit card slips with funny images. Consistently using the same signature can help you and your bank identify fraud. If a signature does not match, it will be easier to show that you aren’t responsible for the charges.
  • There is no “Cash”Pay cash in cash. This is as dangerous as carrying around a cash wad or a blank check signed by the recipient.3Cash is available at a variety of locations. You can withdraw cash from an ATM, purchase a stick gum, and get cash back with your debit card. Or, you can cash in cash from a teller.
  • Write fewer checks:Although checks are not necessarily risky, there are safer ways of paying for goods. Electronic payments are safer than paper checks because there is no paper that can be lost or stolen. Electronic payments are more secure than checks because most checks can be converted to electronic payments. Because electronic payments are already in searchable format, with a timestamp as well as the name of the payee, they’re usually easier to track. Make use of tools such as Online bill payment For your recurring expenses and everyday spending, you can use a debit or credit card

Adlan Sultan

About the author (2014) Alan Sultan is a professor of mathematics at Queens College. In addition to this text, he is the primary author of the textbooks "Linear Programming: An Introduction with Applications" originally published by Academic press, and "The Mathematics That Every Secondary School Math Teacher Needs to Know" published by Routledge. He is a secondary author of "Implementing the Common Core State Standards through Mathematical Problem Solving: High School" and Implementing the Common Core State Standards through Mathematical Problem Solving: Grades 6-8" both published by NCTM. He is also an author or coauthor of about thirty five research and expository articles as well as the recipient of grants and teaching awards including the Queens College Presidential Teaching Award for Excellence in Teaching.

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One thought on “How to Write a Check: A Step-by-Step Guide To Fill Out Check

  1. How To Check My BVN | Jubass August 6, 2022 at 1:24 pm

    […] How to Write a Check: A Step-by-Step Guide To Fill Out Check […]


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