How to write a check in 7 easy steps

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In the digital age, writing a check may seem outdated. But it’s still an important skill that every adult should know. There are still some times when checks come in handy, such as paying rent, sending a gift, or making a donation.

Writing a check is a pretty straightforward process, but it’s important to get it right. If you write a check incorrectly, it can get rejected or delayed. Or, you may have the wrong amount deducted from your account.

Here are seven easy steps to write a check.

1. Gather everything you need

To write a check, you'll need a few essential items. First, you'll need a blank check from your checkbook. Make sure your checkbook is up-to-date and has enough funds to cover the amount you wish to write on the check.

Next, grab a pen with blue or black ink — never use a pencil, as it can be easily altered. Find a clear surface to write on, ensuring you have enough space to fill out all the required information.

It’s always a good idea to have the recipient's name and contact information on hand to avoid any confusion.

2. Date the check

Start by writing the date on the designated line in the upper right-hand corner of the check. This ensures the check is valid and helps both parties keep track of the transaction. Use the full month, day, and year format (i.e., October 20, 2023). Avoid using abbreviations or leaving any room for confusion.

3. Fill in the recipient’s name

On the line labeled "Pay to the Order of," write the name of the person or company you’re making the check payable to. Use the complete and accurate name as it appears on their bank account or official documents.

Double-check the spelling to prevent any potential issues or delays. If you need clarification on the correct name, it's always a good idea to double-check with the recipient.

4. Write the check amount in numerical form

On the line preceded by a dollar sign ($), write the amount you wish to pay numerically. Begin at the far left-hand side, leaving no space between the dollar sign and the first digit. For example, if the amount is $235.50, write "235.50" without any commas or symbols.

To prevent unauthorized changes, draw a line after the digits, extending it to the end of the line. This step ensures that the written amount remains unchanged once you submit it.

5. Spell out the check amount in words

This step helps reinforce the numerical value and prevents any confusion or misinterpretation.

On the line below the payee's name, write the check amount in words.

Start at the far left side and include cents, even if none exist. Going back to the check for $235.50, you’d then write, "Two hundred thirty-five dollars and fifty cents." To avoid confusion, draw a line after the amount to prevent additional words from being added.

6. Write the memo line

While this is an optional step, the memo line allows you to write a brief note indicating the purpose of the check. For instance, you could write "April Rent” or "Gift for Sarah's Birthday." This can be particularly helpful when handling multiple checks.

It can also provide context for the recipient, helping them identify the payment purpose. Writing a memo line adds an extra layer of clarity and organization to the check.

7. Sign the check

The final step is to sign the check in the lower right-hand corner. Use the same signature that is on file with your bank. Your signature validates the check and authorizes the bank to transfer funds from your account to the payee's account. Without your signature, the check will be considered invalid. Your signature is also a security measure, ensuring only you can authorize the transaction.

How do you cash a check?

Maybe someone’s written you a check. What do you do now?

First, you need to endorse the check. On the back of the check, sign your name in the designated endorsement area. Some checks may require additional information, such as "For Deposit Only" or your account number.

Next, decide how you want to cash the check. You have a few options:

• Visit a bank: Take the check to your bank or the bank where it was issued and present it to a teller. Make sure to bring your photo ID. They will verify the check and give you the cash.
• Mobile upload: Some banks allow you to upload checks via their mobile app. All you have to do is upload a photo of the endorsed check, and your bank does the rest.
• Use an ATM: If your bank has ATMs, you can deposit the check directly into your account using the ATM. Some ATMs also offer the option to withdraw cash against the deposited check.
• Retail stores and check-cashing services: Certain stores and dedicated check-cashing services can cash checks for a fee. They usually require you to provide identification and may have their own rules and restrictions.

If you have a bank account, depositing the check into your account is often the most convenient and cost-effective option. It avoids potential fees associated with check-cashing services.

Alternatives to writing a check

While sometimes writing a check is unavoidable, there are several alternatives to writing a traditional check. These alternatives offer convenience, speed, and security over check writing. Here are a few popular options:

• Online payment platforms: Online payment platforms like PayPal, Venmo, or CashApp allow you to link your bank account or credit card and transfer funds electronically to individuals or businesses.
• Bank transfer: Use your bank's online banking services to transfer money directly from your account to another person's account. This option is often free and provides a secure and quick way to send funds.
• Electronic bill payment: Set up electronic payment through your bank's online portal or mobile app. This allows you to schedule recurring payments for bills, such as utilities or credit cards, directly from your bank account.
• Money transfer services: Services like Western Union or MoneyGram provide options for cash pickup or direct deposit into the recipient's bank account.
• Prepaid debit cards: Consider using prepaid debit cards for specific purposes, such as gift cards or travel cards. These cards can be loaded with funds and used like regular debit cards, providing a convenient alternative to writing checks.

The bottom line

When you write a check, you're providing sensitive details like your bank account number and your signature. That’s why it's vital to keep your checkbook in a secure place and only write checks for legitimate purposes. Avoid leaving blank spaces or using vague descriptions in the payee line, as it increases the risk of fraud.

Whether you need to pay your bills or settle a debt, writing a check is a skill that comes in handy. Just double-check all the information you've filled out to avoid any errors or delays.

Editorial disclaimer: Opinions expressed are author's alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.