Banking: 5 Easy Steps on How to Write a Check
1. Date the Check
Start by writing the current date in the upper right-hand corner of the check. This date indicates when the check is written and when it can be deposited or cashed. Use the format "Month Day, Year" (e.g., "August 10, 2024"). Dating the check correctly is crucial as it helps ensure the check is processed in a timely manner and prevents any issues with stale-dated checks, which are checks that are too old to be processed.
2. Write the Payee’s Name
In the "Pay to the Order of" line, write the name of the person or organization you are paying. Ensure you spell the name correctly and use the full legal name as it appears on any official documents. This ensures that the check is properly processed and that the funds are given to the intended recipient. For businesses, you should include the full name of the company, and for individuals, use their full legal name.
3. Write the Amount in Numbers
In the small box on the right-hand side of the check, write the amount of the payment in numeric form. Start as far to the left as possible to prevent alterations. For example, if the check amount is $123.45, write "123.45" in the box. This numeric amount should be clear and easy to read to prevent any confusion or errors during processing. Make sure the decimal point and cents are properly indicated.
4. Write the Amount in Words
On the line below the payee's name, write out the amount of the payment in words. This acts as a secondary verification of the amount and helps to ensure accuracy. For the example of $123.45, you would write "One hundred twenty-three and 45/100." Make sure to write the amount clearly and legibly, and if the amount is less than a dollar, write "zero" or "no/100" as appropriate. If the written amount and the numeric amount do not match, the bank will use the written amount as the final figure.
5. Sign the Check
In the bottom right corner of the check, sign your name on the signature line. This signature authorizes the payment and validates the check. Use the same name and signature as you used when opening your bank account to avoid any issues with processing. An unsigned check is not valid and will not be accepted by the bank. Ensure your signature is clear and matches your legal name to avoid any potential complications.
