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See How to Write a Check: 6 Simple Steps

Banking, Banking Basics, Checking Accounts
See How to Write a Check

Need to write a check? Follow these six easy steps:

Step 1: Include the date.
Step 2: Name the recipient.
Step 3: Fill in the amount with numerals.
Step 4: Write out the amount in words.
Step 5: Say what it’s for.
Step 6: Sign your name.

 

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:

1. Include the date.

This goes on the line in the top right corner of the check. If you’re in the U.S., write it as month-date-year.

How to Write a Check

2. Name the recipient.

Who will receive the check? You can name a person or a business.

3. Fill in the amount with numerals.

This is the easy part. Just write out in numbers how much you owe.

4. Write out the amount in words.

Add a cap so the recipient can’t add money. Do this by including cents — use a fraction, such as 50/100 — or the word “even” if the amount is even.

5. Say what it’s for.

This part is optional but handy. It helps you remember why you wrote the check.

6. Sign your name.

Your check will be rejected if you don’t sign it.

Have more questions? Check out our FAQs section.

»MORE: Best free checking accounts
»MORE: How to find your routing number with or without a check

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.

Tony Armstrong is a staff writer at NerdWallet, a personal finance website. Email: tony@nerdwallet.com. Twitter: @tonystrongarm.

Updated July 5, 2017.