Writing checks used to be a habit for many people. But with debit cards, online banking and mobile payments, it’s now a bit of a lost art. If you need help with how to write a check, the Nerds at NerdWallet have you covered:
Have more questions? Check out our FAQs section for some answers.
How to write a check: FAQs
Q: What should I do if I make a mistake?
A: If it’s a minor slip-up, draw a single line through the word and rewrite it. Otherwise, invalidate the check by writing “void” across it in large letters. You might be asked for a voided check when setting up direct deposit with a new employer.
Q: What is a post-dated check?
A: A post-dated check has a future date written on it. For instance, if you’re mailing your December rent check on Nov. 28 but won’t have the necessary funds until the first of the month, you might date the check Dec. 1. However, post-dating checks is not recommended. The bank doesn’t have to honor that later date, and overdraft or non-sufficient funds fees may apply if you don’t have the money to cover it.
Q: Why do some people write lines on their checks when the amount is even?
A: Instead of writing the word “even,” you can simply draw a straight line through the empty space that follows the written-out dollar amount. That way, fraudsters can’t add numbers to make the check worth more than you intended.
Q: Can I write a check to myself?
A: Yes, you can do so by naming yourself as the recipient. That’s one way to move money from one bank account to another. Either deposit the check at your new bank or use its mobile check-deposit service, if it has one.
If you want to cash a check at a bank or credit union branch, write “cash” in the check’s memo section. Be sure to have a valid, government-issued photo ID.
Now that you’ve gotten a refresher on how to write a check, take some time to compare your account to the best checking accounts on the market. You might find that it’s time for a change.
Updated Jan. 18, 2017.