How to write a check?

To write a check, you need to follow a specific set of steps to ensure it is filled out correctly and securely. Here’s a step-by-step guide:

Step 1: Write the Date

Write the date on the line at the top right-hand corner of the check. Use the current date or a future date if the recipient agrees to it (postdated). However, backdating a check with a date prior to the current date is generally not permitted25.

Step 2: Write the Recipient's Name

On the line that says "Pay to the order of," write the name of the person or business you are paying. Make sure to spell the name correctly and use the full legal name rather than a nickname125.

Step 3: Write the Payment Amount in Numbers

In the small box on the right side of the check, write the dollar amount numerically. For example, if you are paying $130.45, write "$130.45" in this box. Ensure the numbers are large and clear to prevent any fraudulent alterations125.

Step 4: Write the Payment Amount in Words

On the line below the recipient's name, write out the dollar amount in words to match the numerical amount. For example, if you are paying $130.45, write "one hundred thirty and 45/100." If the amount is a round number, include "and 00/100" for clarity. Draw a line through any remaining space to prevent alterations123.

Step 5: Write a Memo (Optional)

In the "Memo" line at the bottom left of the check, you can write a note indicating what the check is for. This is helpful for both you and the recipient, especially if you are paying a bill and need to include an account number or invoice reference123.

Step 6: Sign the Check

Sign your name on the line at the bottom right-hand corner of the check using the same signature you used when you opened your checking account. This signature is crucial as it authorizes the bank to process the check125.

Additional Tips for Safety and Clarity

• Use dark ink to reduce the possibility of fraud and tampering.
• Ensure your handwriting is legible.
• Never sign a blank check, as this could allow someone to fill in any amount.
• If you make a mistake, void the check by writing "VOID" across it and start with a new check.
• If you need to mail a check, use a secure envelope and consider mailing it via the post office rather than leaving it in an unsecured mailbox23.