Writing a check is a straightforward process. Here are step-by-step instructions:
- Date: Write the current date on the top-right corner of the check. This is typically the date you’re writing the check.
- Payee: On the line that says “Pay to the order of,” write the name of the person, business, or organization you’re paying. Be sure to use their full and correct name.
- Dollar Amount in Numerals: In the box next to the dollar sign ($), write the amount of the check in numerical form. For example, if you’re paying $100, write “100.00”.
- Dollar Amount in Words: Below the payee line, write out the amount in words. For the example of $100, you would write “One Hundred and 00/100”.
- Memo (Optional): In the memo section, you can write a brief note to remind yourself or the payee about the purpose of the payment.
- Signature: On the bottom-right corner, sign your name. Make sure your signature matches the one the bank has on file.
- Bank Information: At the bottom of the check, you’ll find a series of numbers. The first set is the bank’s routing number, followed by your account number, and then the check number.
- Optional: Endorse the Check (If needed): If the check is made out to you, but you want to sign it over to someone else, you can do so on the back of the check. Write “Pay to the order of [Name]” and then sign your name underneath.
- Keep a Record: Before giving away or depositing the check, make a note of the details (payee, amount, date, etc.) for your records.
- Voiding a Check: If you make a mistake, do not scribble it out. Instead, void the check by writing “VOID” across it in large, bold letters. This ensures that the check can’t be used.
Remember to use a pen with dark, non-erasable ink. Always use the full legal name of the payee, as this ensures the check can be cashed or deposited properly. Additionally, be sure to keep a sufficient balance in your account to cover the check.
Please note that checks are becoming less common due to electronic payment methods, but they are still useful in certain situations. Always ensure you have sufficient funds in your account to cover any checks you write.