We share step-by-step directions for how to fill it out in under a minute and be on your way. To finish up, sign your name on the signature line in the bottom right-hand corner. Use your legal signature, the one on file with your bank. Writings should be clear along with a strict prohibition against abbreviations. Drawing a line through unsupported check areas constitutes the correct method for check writing. Adding words to represent the check amount leads to increased check security.
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This diagram shows the anatomy of a properly completed check with all key elements labeled. Notice how each field is filled out clearly and correctly. Confirm you have enough funds in your account to cover the check. If you need any reference or account number then find it before you start to write the check. It’s important to start at the left of the box, right after the $ sign.
- The current date will allow the check to be used immediately by the recipient.
- PaperGen helps with human-like phrasing suggestions that match the tone you want.
- Sometimes, however, checks may be held longer, such as when you deposit over $5,500 in a single day or if your account has been open for less than a month.
- This could prevent others from using the check and help protect you from fraud.
Write a Memo (Optional)
Check numbers are for your reference so you can keep track of transactions. The bank doesn’t rely on check numbers when processing checks, and it’s possible to clear multiple checks with the same number. But once you understand the different parts of a check, you’ll feel confident completing, receiving, and depositing paper checks. You likely do everything you can to keep track of your credit card and avoid letting it fall into someone else’s hands to reduce the risk of credit card fraud. And if you make an error when writing your check, you may want to void it.
- This is a security feature, and the signature can be compared to the account holder’s signature on file.
- In this guide, we’ll walk you through exactly how to fill out a check with clarity and accuracy.
- I still remember how proud I felt holding my very first checkbook at the ripe old age of 10.
- We share step-by-step directions for how to fill it out in under a minute and be on your way.
- The bank doesn’t rely on check numbers when processing checks, and it’s possible to clear multiple checks with the same number.
- Constant practice of this habit guarantees accurate check processing in every payment.
Additionally, using a single pen throughout the check-writing process is recommended. Using different pens or ink colors may raise suspicion and make it appear as if the check has been tampered with or altered. Write neatly and legibly, ensuring that all information on the check is easily readable. It’s easy to erase pencil and someone could change the amount.
#6: Your Signature
This depends, but you typically use a paper check when you need to pay someone. Sometimes it’s a cheaper payment option as some retailers pass on the credit or debit card processing fee to you. Depending on your generation, you may or may not be familiar with how to write a check. There’s something reassuring about having a book of checks in modern times. Art is a thing (and not a sort of oxymoron), a paper check (amazingly enough) still holds weight.
This fills the empty space and ensures the amount of the check cannot be altered. The table below shows how to write out common numerical values, which are the building blocks for any large amount you need to write on a check. Partner with a global leader who puts your financial needs first. Invest on your own or work with an advisor — we have the products, technology and investment education, to help you grow your wealth. Morgan Wealth Management Branch or check out our latest online investing features, offers, promotions, and coupons.
Writing a Check Example
Some checks have the check number printed in MICR to help prevent fraud. However, banks have no obligation to cash anyone’s check. They may charge a fee or refuse to cash it if you’re not a client. You may find the letters “MP” next to the signature line on a check.
For example, if you’re using a check to pay for groceries at the grocery store, then the name you’ll put here is the name of the grocery store. Learning how to write out a check might seem complicated, but it’s really easy once you know what goes in each check field. You need to understand what each section is for in order to know how to fill each one out. Not everyone uses checks super frequently, so sometimes it helps to have a refresher on how to write a check, just to make sure you get it right. This section serves as a reminder of the check’s purpose and can help with your recordkeeping.
Step 4: Write the dollar amount in words
The more often you write checks, the more natural the process will become. In a small box on the right-hand side of the check, write out the intended payment amount in numerals. You will need to write the dollar and cent amount of the deposit, even when you’re not included cents.
Why are there two fields for the amount on a check?
Paper checks have multiple parts, and you may not be write out a check sure where to put everything. It’s a digital world but checks still have a place in our lives. If you’re new to a checkbook, this simple guide will get you rolling with how to write a check. The correct check filling procedure serves as an example which helps prevent mistake form occurring.
Moreover, once you’ve spelled out the full amount, fill the empty space of the field with a line to prevent anybody from altering the amount. Finally, add your signature to the check to endorse it. Unsigned checks are not valid tender, so it’s vital to complete this step. Like other steps, make sure to sign your name legibly like you would any other legal document.
Whether for rent, a service, or a gift, knowing how to properly fill one out is a valuable skill. While seemingly straightforward, a mistake can lead to delays or even fraud. Use the signature that matches the one on your bank records.