You are currently viewing How to write a check: Fill out a check
How to write a check

How to write a check: Fill out a check

  • Post author:
  • Post category:FAQs / How To
  • Reading time:10 mins read

Writing a check is easy, and this step-by-step guide will show you how to do it. From correctly spelling out the dollar amount to dating the check, we’ll cover everything you need to know so that you can write a check with confidence.

What is a check?

A check is a document that instructs a financial institution to pay a specific amount of money from a person’s account to the person or entity named on the check. A check is typically used when the payer does not have cash or wants to save time by avoiding a trip to the bank.

There are a few key elements of a check that is important to understand:

The name of the payee: This is the person or organization you are writing the check to. Make sure you write the name exactly as it appears on their records.
The date: This is the date you are writing the check. This lets the payee know when they can expect the funds to be available.
The amount: This is how much money you are authorizing the financial institution to pay. Write this in both numbers and words (for example, “One hundred fifty-two and 00/100”).
Your signature: This is your legal authorization for the financial institution to process the payment.

When to use a check

There are still many places that accept personal checks as payment, so it’s important to know how to write one. You’ll need to provide the date, your name, your bank’s name, and address, the recipient’s name, and the amount you’re paying in both numerical and written form. It’s also important to sign the check.

If you’re not sure when it’s appropriate to use a check, here are some guidelines:

  1. Use a check when you want to keep a record of the transaction. Checks are promissory notes that you can use for proof of payment.
  2. Use a check when you’re paying someone who isn’t expecting payment by electronic means. For example, if you’re paying your babysitter or a contractor for services rendered, a check is probably your best option.
  3. Use a check when the recipient doesn’t have a bank account. This is common when dealing with small businesses or individual service providers. They may not have the infrastructure to accept electronic payments, so a check is a way to go.

How to write a check

Writing a check is a simple process that anyone can learn. Although it may seem old-fashioned, writing a check is still a common way to pay bills and send money to friends and family. Here’s a step-by-step guide on how to write a check:

  1. Fill out the dateline. Write the current date in the space at the top right-hand corner of the check.
  2. Pay to the order of. In the “Pay to the Order of” line, write out the name of the person or company you’re making the check out to.
  3. Write the amount in words. In the line below “Pay to the Order of,” write out the amount of the check in words, followed by the word “dollars.” For example, if you’re writing a check for $127.50, you would write “One hundred twenty-seven dollars and 50/100.”
  4. Write the amount in numbers. In the small box on the right-hand side of the check, write out the same amount of money, but this time use only numbers. In our example above, you would write “127.50.” Make sure that this number matches.

How to read a check

When you receive a check, it’s important to know how to read it so that you can deposit or cash it without any problems. Here’s a quick guide on how to read a check:

The top left corner of the check is where you’ll find the name of the bank that issued the check, as well as the account number and routing number. The routing number is a nine-digit code that tells your bank where to send the money from the check.

In the center of the check, you’ll see the date, payee (the person or company to who the check is made out), and the amount of the check in both numbers and words. Below that, you may see a memo line where you can write down what the check is for.

On the right side of the check, you’ll find the signature line. This is where you’ll sign your name when you’re ready to deposit or cash the check. Make sure that your signature matches the one on your ID so that your bank can verify it.

Keep in mind that some banks may have different formats for their checks, so it’s always best to ask a teller or customer service representative if you have any questions.

How to deposit a check

Assuming you have a checking account with a bank, there are generally two ways to deposit a check: through a physical bank branch or by using a mobile deposit. If you have time to go to your bank, simply hand the teller your check and your account number and they will process the deposit for you. Some banks may require that you endorse the check by signing the back first.

If you need to deposit the check right away but can’t get to a bank, a mobile deposit is a great option. With this method, you take a picture of the front and back of the check and submit it electronically to your bank. The money will be deposited into your account typically within one business day. Just be sure to double-check that your bank offers this service and that you’re using it correctly to avoid any issues.

How to cash a check

Cashing a check is easy, but there are a few things you need to know before you get started. Here’s a quick guide on how to cash a check:

  1. Find a bank or credit union: You’ll need to find a financial institution where you can cash your check. Make sure to bring your ID with you, as most banks will require it.
  2. Endorse the check: In order to cash the check, you’ll need to sign the back of it. This is called endorsing the check.
  3. present the check: Once you’re at the bank, hand the teller your endorsed check and your ID. They will then process the check and give you the cash.

That’s all there is to it! Cashing a check is a simple process, but it’s important to make sure you have everything you need before getting started. With this quick guide, you’ll be cashing checks like a pro in no time!

Check fraud

Unfortunately, check fraud is on the rise, and it can be a costly problem for both businesses and individuals. There are a few steps you can take to help prevent check fraud, including:

  1. Use security features when available. Many banks now offer security features on their checks, such as watermarks and special paper. If your bank offers these features, be sure to use them.
  2. Sign all blank checks immediately. This may seem like a no-brainer, but you’d be surprised how many people don’t do it. By signing a check as soon as you receive it, you make it much more difficult for someone to forge your signature.
  3. Keep track of your checks. Make sure you know where all of your checks are at all times and keep track of who you’ve given them to. This will help you spot any potential fraudulent activity quickly.
  4. Be cautious with online banking. While online banking can be convenient, it also opens up the possibility of fraud. Be sure to only use reputable, secure websites for online banking, and never give out your login information to anyone.
  5. Know your rights. Under the Fair Credit Bill


Now that you know how to write a check, you’ll be able to handle your finances with ease. This simple task can save you time and money, and it’s an important skill to have in today’s world. With a little practice, you’ll be writing checks like a pro in no time. Thanks for reading!


We are a team of writers, researchers, and editors who are passionate about helping others live their best lives. We believe that life is a beautiful gift. We try to live our lives to the fullest and enjoy every moment. We are always learning and growing, and we cherish the relationships we have with our family and friends.

Leave a Reply