Filling a check for the first time? You may have questions, such as how to sign a check and how to write a check with cents. Although you cannot write many checks, it is still an important skill. Let us answer your questions quickly. In this article you are able to learn about writing a check. By reading this article you are know everything about it.
Even though digital payments are consistently gaining more market share, it is important to know how to write a check. This guide will show you step by step how to fill the check with easy to follow diagrams and illustrations. Many businesses, employers and landlords still rely on checks to pay.
Writing a check is easy, and this tutorial shows you how to do it. Go through each step one by one, or just use the example above for the examples you need to write. You can complete the steps in any order as long as the finished product is not missing any important information. In this example, you will move from top to bottom of a check, which will help you stop any step.
Steps on how to write a check
Below are the steps you need to take to fill a check properly:
- Type the date in the top right corner.
- Add payee name next to “Pay”
- Write the value to be paid in numbers next to the “$” symbol.
- Write the amount of the payment on the long line with words (spell it out).
- Sign in the bottom right with your signature where it says “copy”.
- Optional: Add a note where it says “Memo” or “Re:” in the bottom left corner.
Detailed explanation of how to write a check
Let us look at each of the above steps in more detail. By the end of this guide and after practicing some time, you should find the process very easy and natural.
1. Date: Write the date on the line in the top right corner. This step is important, so you are giving a check to know the bank and / or the person to whom you have written.
2. Name of Payee: The next line on the check, “Order to Pay”, is where you write the name of the person or company you want to pay. If you do not know the exact name of the person or organization then you can also write the word “Cash”. Be aware, however, that this can be risky if the check is ever lost or stolen. Any person can deposit a check or cash for “cash”.
3. Mention Amount: There are two spots on a check where you write down the amount you are giving. First, you will need to write the dollar amount (for example $ 130.45) in the small box on the right. Be sure to write this clearly so that ATMs and / or banks can correctly deduct this amount from your account.
4. Put the payment amount into words: To match the numeric dollar amount written in the box, write the dollar amount in the words below “Pay to the Order of the Order”. For example, if you are paying $ 130.45, you would write “one hundred thirty and forty five”. It is important for the bank to write the dollar amount in words to process the check as it confirms the total of the correct payment.
5. Write a memo: It is optional to fill in the line that says “Memo”, but it is useful to know why you wrote the check. If you are paying a monthly electricity bill or a check for rent, you can write “electric bill” or “monthly rent” in the memo field. Often when you are paying the bill, the company will ask you to write your account number on the check in the memo field.
6. Sign the check: Sign the check legally on the line in the bottom-right corner. Use the same name and signature on the file in your bank. This step is necessary – a check will not be valid without a signature.
Related Post: – How to Fill Out a Money Order
Things you should know before or after writing a check
After writing the check, make a record of payment. A check register is an ideal place to do this, whether you use an electronic or paper register. Recording payments prevents you from spending money twice – until the check is deposited or cashed, the fund will remain available in your account and may take some time. It is best to make a note of payment while it is fresh in your mind.
Before writing a check, make sure that it is actually something you need to do. Writing a check is cumbersome, and it is not the fastest way to transfer money. You may have other options that make your life easier and help you save money. For example, you can:
- Pay bills online and even ask your bank to automatically send you a check every month. You will not need to write a check, pay for postage or receive a check in the mail
- Get a debit card and spend it instead. You will pay with the same account, but you will do it electronically.
- Set up automatic payments for regular payments such as utility bills and insurance premiums. There is usually no fee to make this kind of payment, and it makes your life easier. Just make sure that you always have enough cash in your account to cover the bill.
- No matter how you choose to pay, make sure that you always have sufficient funds available in your checking account.
Few Security Tips for writing a check
Develop the habits below to reduce the possibility of fraud from your account.
Make it permanent: Use a pen whenever you write a check. If you use a pencil, anyone with an eraser can change the amount of your check and the name of the payee.
No blank check: Do not sign the check until you have filled in the name of the payee and the amount. If you are not sure who paid the check or how much it costs, just bring a pen – it is far less risky than giving someone unlimited access to your checking account.
Carbon Copy: If you want a paper record of every check you write, get a checkbook with a carbon copy. Those checkbooks have a thin sheet that contains a copy of every check you write. As a result, you can quickly identify where your money went and what you wrote on every check.
Consistent signature: Many people do not have a legible signature, and some people sign checks and credit cards with humorous pictures. But consistently using the same signature helps you and your bank identify fraud. It will be easy for you to prove that you are not responsible for the charges if the signature is not signed.
How to maintain checkbook
Every time you spend or deposit money, you should keep an eye on it in the check register of your checkbook, which you can get from the check received from Huntington. Your check register is used to track your deposits and expenses. All transactions, including checks, ATM withdrawals, debit card payments, and deposits should be recorded.
Make a record of your transactions
If you pay by check, you will record the check number found in the top right corner of the check. It also helps you keep track of your checks, helps you ensure that none of your checks are missing, and you need to check the check again.
Reduce the amount of any check, withdrawal, payment and bank fee or deposit the total amount in your account from previous transactions.
Retrieve your bank statement each month
When you receive your monthly bank statement, whether it comes in the mail or you see it online, take time to balance your checking account. First, download our balancing worksheet. Then follow the instructions to enter your checkbook register and bank account details as well as information from any unlisted deposits and outstanding checking / withdrawal.
Once you are finished with the worksheet, if your adjusted checkbook and account balance match, your checking account is balanced!
If there are differences, take the time to check your arithmetic, see if there are any outstanding checks that may not show up on your statement yet, and double-check to make sure you remember any fees or transactions. If you believe there is an error on your bank statement, contact your bank branch as soon as possible.
We hope all you are now understand How to write a check, and take proper steps.