how to write a 3000 check

How to Write a Check For 3000 Dollars | Spell $3000 on a Check

Need to write a check for $3000 ? Here is an easy step by step guide.

3000 Dollar Check

Here is a sample check for 3000 dollars. In this example the check is written under a scenario where you need to pay Gene Vargas a sum of Three thousand and 00/100 for rent, with the payment date set as February 6th, 2024.

Quick and Easy Steps to Write a Check for $3000

Step 1: Write the Recipient’s Name on the line next to “ Pay to the Order of ”. In this scenario, the recipient’s name is Gene Vargas. You can write any individual’s or organization’s full name as the recipient.

Step 2: Write the date in MM/DD/YYYY  format (For example, 02/06/2024) in the date section at the top right-hand corner.

Step 3: Write the amount 3000.00 in numbers in the box next to the dollar symbol ($).

Step 4 : Below the “ Pay to the Order of ” line, you have to write the amount in words . For a 3000 dollar check, you have to write ‘ Three thousand and 00/100 ’.

If there is excess space next to ‘Three thousand and 00/100’, draw a horizontal line to the end of the line.

For your convenience, here is a tool to help you get the correct spelling and format for any amount.

Step 5: Sign your name on the line at the bottom right of the check.

Step 6: In the final and optional step , write the purpose of the check next to the Memo section. In this scenario, the purpose of the check is rent.

Explore our comprehensive guide on how to write a check , to confidently fill up any amount of check on your own.

How to Write a $3000 Check with Cents

If you want to write a check for 3000 dollars with cents , the process is the same as above. Here is an example of check for 3000 dollars with cents:

• Write “ 3000.50 ” in the box next to the dollar symbol.
• Write “ Three thousand and 50/100 ” on the word line.

To learn more about writing checks with cents, you can read our article on how to write a check with cents .

This guide provides clear steps to write a $3000 check. Explore our other posts for more check-writing tips.

• How to Write a Check For 2990 Dollars
• How to Write a Check For 2980 Dollars

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How To Write A Check for 3,000 Dollars with Cents

Even if you've never filled out a check before.

An Easy Visual Guide To Check Writing In 6 Steps

Checks are gradually being replaced by electronic payments. It's still important to know the steps to write a check. There are even some people or companies that will only accept checks.

Summary of The Six Steps To Properly Fill Out a Check for $3,000:

• Date : Write the date (for example "December 14, 2021") in the top right corner
• Payee : Write the person or company you are paying on "Pay To The Order Of" line. For example "Glenda Price"
• Amount in Numbers : Write the value "3,000.00" in numbers in the blank box to the right payee line
• Amount in Words : Write in words "Three Thousand and 00/100" on the line just below the payee line
• Memo : Write the details for you or the payee about the purpose of the check. For example "Invoice #5501"
• Signature : Sign the check with the same signature that the bank has.

You'll see a sample check showing each step below.

Detailed Steps to Writing Out A Check for $3,000

Do all six steps in order and especially leave the signature until last. After the other steps.

Step 1: Date

Write the date on the line in the top right of the check. Write the date in the normal way. December 14, 2021 or 12/14/2021, either are both acceptable.

Write today's date. This is the date you sign the check.

You can postdate a check using a future date, but in most states someone can still deposit the check now. You should avoid writing postdated checks if possible.

Step 2: Payee

Write the person or business you want to pay the amount to on the line the "Pay To The Order Of" line. For example "Glenda Price".

Use the first and last proper names not nicknames or abbreviations. If you don't know a correct company name then you should find out what it is.

Do not write the check out to "Cash" because anyone could cash the check.

How to fill out a check for $3,000.00 to yourself - just write your name as the payee!

If you are unsure check the spelling of the name. The bank could reject the check if it doesn't exactly match their records.

Step 3: Amount in Numbers

Write the value of the check in numbers in the blank box to the right of the Payee line.

Always add the full amount including cents (even if they are "no cents" or "even") after the whole dollar amount. Like this: "3,000.00" (shown with zero cents)

It's important to start at the left of the box, right after the $ sign. This leaves no space for anyone to add any extra numbers.

Make sure the number is clear and easy to read.

Ideally fill the width of the box. Or you can add a line after the numbers so there is no space for any alterations.

Step 4: Amount in Words

Below the Payee line spell out the check amount in words.

You write the cents as a fraction of a dollar. For example "Three Thousand and 00/100".

This will be the same amount as the previous step, just in words. Write them to match.

The amount in words is the legal value of the check, so make sure it is correct.

You can draw a line to the right of the amount to fill any space. Leaving no space for alteration of the amount.

Step 5: Memo

Write the purpose of the check on the memo (or "for") line at the check's bottom left.

For example "Invoice #5501". This is optional, but can be useful later on.

The payee might want you to write your account, reference or an invoice number here.

You can also use this line to tell the Payee exactly what you want the check value used for.

This line can serve as a reminder. At tax time or when you can't remember exactly what your wrote the check for.

Step 6: Signature

After you are sure everything is correct and filled out properly you sign the check on the signature line.

The check is not valid until you sign it. When you sign it you are agreeing to pay the check value to the payee.

Make sure you use the same signature the bank has on record for that account.

The banks could reject the check if you don't write the correct signature.

Writing a check for 3,000 dollars and 69 cents

Here's how to write a check with cents. The cents part of the amount as a number is just "69".

When you write the cents in words use a fraction. Like this "Three Thousand and 69/100"

Before you write a check

It is best to write the whole check in one go.

Make sure you know who you are paying and the amount you are paying them.

If you need any reference or account number then find it before you start to write the check.

Confirm you have enough funds in your account to cover the check.

After you write a check

Make sure you tear the check out carefully, keeping the check intact.

Save a record of the check in your check register. Making sure it will remind you of your purchase.

Having duplicate checks gives you a copy of the check automatically.

That's how to write 3000 on a check.

How To Write a US American Check for $3,000.00 (USD, US Dollar) Sum of Money. Fill Out the Cheque in Six Simple Steps. Payment Amount Written Numerically and in Words

Six steps to write a check for $3,000.00 (us dollars).

A check is a written, dated and signed document that instructs the bank to pay a certain total amount of money to the bearer. The entity who writes the check is called the payor (or drawer), while the one to whom the check is written is called the payee.

How to Write a Check in Six Steps

1. date the check, write the date on the 'date' line at the top right side of the check. in most cases the current date is being used. today's date: 05 / 20 / 2024., 2. payee: who is this check for, on the line 'pay to the order of' write the accurate name of the person or the organization you're paying., 3. write the amount of money to be paid, as a number:, any amount of money is written out in figures using two decimal places (i.e. $125.50, $200.00, $900.45)., write it in the payment amount box on the right side of the check, the one having the symbol '$' printed to the left., start writing as far over to the left as possible - so no one could change your amount (from 9.50 to 999.50, for example)., don't forget to write the decimals even if you have a number without a fractional part., 4. write out the amount of money in words, using letters:, write it on the payment amount line, the one having the word 'dollars' printed to the right., use a pen instead of a pencil, which is too easy to alter., if your writing doesn't take up the whole space, draw a straight line through to the end of the field so no one could edit what you wrote down., write out in words only the dollar value - the cents are written numerically, as a fraction., choose your preferred form of writing the amount in words on the check out of the ones listed below., letter case 1 of 3 $3,000.00 written out in words in: lowercase all lowercase letters:, three thousand and 00/100, letter case 2 of 3 $3,000.00 spelled out in: uppercase all uppercase letters:, three thousand and 00/100, letter case 3 of 3 $3,000.00 converted to words written in: title case * (note below) capital letters at the beginning of the main words:, three thousand and 00/100, 5. write a brief note about the payment, write a short note about the payment you make on the 'memo' line, what does the payment represent., 6. sign the check, without your signature the check couldn't be processed. sign on the line at the bottom right side of the check., important notes:, if you make an error, just write 'void' on the check and start writing a new one., when writing your check, use printing instead of cursive, if possible - it's easier to read., do not post-date or pre-date the check, use the actual date., when writing out the value of the check in words, the word 'and' goes where the decimal point is., to avoid nonsufficient funds fees, overdraft fees or check fraud charges, make sure you have enough funds in your account to cover the check., notes on the letter cases used to write out in words the number above:.

• 1: Lowercase: only lowercase letters are used. Example: 'seventy-six and two tenths'.
• 2: Uppercase: only uppercase letters are used. Example: 'SEVENTY-SIX AND TWO TENTHS'.
• 3. Title Case: the first letters of the words are capitalized, except for certain short words, such as articles, conjunctions and short prepositions, 'a', 'an', 'the', 'and', 'but', 'for', 'at', 'by', 'to', 'or', 'in', etc. Example: 'Seventy-Six and Two Tenths'.
• 4. Sentence case: only the first letter of the first word at the beginning of the sentence is capitalized. Example: 'Seventy-six and two tenths'.
• 5. Start Case: the first letter of each word is capitalized without any exception. Example: 'Seventy-Six And Two Tenths'.
• 6. Camel Case: text has no spaces nor punctuation and the first letter of each word is capitalized except for the very first letter in the series. Example: 'seventySixAndTwoTenths'.
• 7. Hyphen Case: text has no spaces nor punctuation and the words are delimited by hyphen. Example: 'seventy-six-and-two-tenths'. Hyphen Case can be lowercase or uppercase.
• 8. Snake Case: text has no spaces nor punctuation and the words are delimited by underscore. Example: 'seventy_six_and_two_tenths'. Snake Case can be lowercase or uppercase.

General Notes on Writing Out Numbers:

• 1: It's correct to hyphenate all compound numbers from twenty-one (21) through ninety-nine (99). The hyphen is the minus sign, as in 'thirty-four' (34).
• 2: In American English, unlike British English, when writing out natural numbers of three or more digits, the word 'and' is not used after 'hundred' or 'thousand': so it is 'one thousand two hundred thirty-four' and not 'one thousand two hundred and thirty-four'.
• 3. Use commas when writing in digits numbers above 999: 1,234; 43,290, 1,000,000 etc.

» How to write a US Check for the total sum of money of $2,879.16 (USD, US dollars currency amount). Six steps to fill out the cheque. Write out the Dollar payment amount numerically and in words, spelled out in American English, cents as a fraction

» new: the list of the monthly tables containing the operations of writing us checks for various usd sums of money (us dollars and cents amounts) - operations run by our visitors, organized on a monthly basis, how to write usd currency amounts of money on checks, using both numerals and words in (us) american english, how to write out amounts of money on checks, both in numbers (digits) and in words in (us) american english for start let's work with an even amount, without cents. let's say we have to write a check for $1,567 (us dollars, usd)., first, write the amount of $1,567 on the check, numerically, in the amount box..

• This box has a $ sign to the left. Write your number in digits: 1,567.00
• Notice the decimal point that separates dollars and cents; you have zero cents so you write .00
• Draw a horizontal line after the amount 1,567.00, that runs from the right of the amount up to the end of the blank space. This is to prevent other people from changing / adding to your amount.

How to write out the integer number 1,567 in words, on the check?

• We need to know the place value of each digit of the number 1,567.
• 1,567 has a 1 in the thousands place, a 5 in the hundreds place, a 6 in the tens place and a 7 in the ones place.
• 1,567 in words is:
• = one thousands (1,000) + five hundreds (500) + six tens (60) + seven ones (7)
• = one thousand + five hundred + sixty + seven
• = one thousand five hundred sixty-seven.

Write out the amount of $1,567 USD in words, on the check.

• Write out $1,567 USD in words on the line which has the currency type written at the end of it (dollars):
• one thousand five hundred sixty-seven and 00/100 (the word "dollars" is already printed).
• Notice the fraction 00/100; when you have zero cents you write after the dollar amount: and 00/100.
• Again, draw a horizontal line after the "00/100" fraction, that runs to the end of the blank space. This is to prevent people from changing / adding to your amount.
• 1: Note the hyphen (or the minus sign) in "sixty-seven" above. Technically, it's correct to hyphenate compound numbers between twenty-one, 21, and ninety-nine, 99.
• 2: Placement of word "and": in American English do not use the word "and" after "hundred", "thousand" or "million". So, it is "one million two hundred thirty-four thousand five hundred sixty-seven" and not "one million and two hundred thirty-four thousand and five hundred and sixty-seven", though you may hear a lot of people using the last form, informally.
• 3: The Federal Reserve will not accept checks that are larger than $99,999,999.00 and agencies have been directed to return these checks to the originator. Beginning January 1, 2016. Check-processing equipment at the nation's Federal Reserve banks can't handle checks that big. Checks of more than $99,999,999.00 have to be processed by hand, increasing the risk of theft, fraud and errors, according to the IRS and the Treasury Department.

» Full article: how to write checks of USD dollar amounts both in numerals and in words, cents as fractions

» how to write out integer and decimal numbers in words in (us) american english, using letters instead of numerals.

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What's your zip code, how to write a check, your guide to checking basics.

Whether you have never written a check or you’re in need of a refresher, learn how to write a check and properly fill out each field. Understanding the basics of check writing is as easy as 1-2-3.

Use this step-by-step guide to get it right every time.

Date the check

Add the date of when you wrote the check on the line at the top right-hand corner. This is important so the bank and the person you are giving the check to knows when you wrote it.

Tell the bank who to pay.

Find the “Pay to the order of” field and write the recipient’s full name. It’s important to write this clearly and accurately.

Write your payment amount in numbers

Use the small box to the right to indicate your payment amount in dollars and cents numerically (i.e.. $130.45).

Spell out your payment amount in words

Write the payment amount in words on the line below the recipient’s name. This must match the numerical dollar amount you wrote in the box. However, be sure to write the cents amount as a fraction over 100 (i.e. 10 cents = 10/100)

Use the memo field

Writing a memo is optional but helpful later to know what the check is for. For example, write “monthly rent” to help keep track of rent expenses. An image of the check is available in online and mobile banking. This is especially helpful during tax season.

Sign the check

Lastly, but most importantly, sign your name on the line at the bottom right-hand corner. Typically, a check cannot be deposited or cashed without your signature.

How to balance a checking account.

Keep track of your account balance to avoid bouncing a check and to avoid an overdraft fee. Best practice is to compare your checkbook register and bank account statement as well as any unlisted deposits and outstanding checking/withdrawals. If they match, your checking account is balanced.

Looking for a checking account for teens?

If you’re 13 through 17 years old, we’ve got special account benefits and features just for you. A checking account is a great way to teach kids financial responsibility. You can open a Bank Smartly Checking account for a minor aged 13 through 17 if it is a joint account with an adult. You may do so together online or in a branch.

Build a solid financial foundation.

Questions students should ask about checking accounts.

Banking basics: Building credit

Building confidence in your finances and career: Lessons from two fitness pros

Frequently asked questions, how do i void a check.

A voided check is used to set up direct deposits or bill pay. Simply write “VOID” across the pay to the order of line. Also, write “VOID” in the payment amount box and the signature box.

How do I write a check for cash?

You may want to write a check to yourself to withdraw cash from your bank account or transfer money between accounts. Simply write “Cash” in the pay to the order of line.

How old do I have to be to open an account?

You can apply for an individual bank account if you’re 18 years or older and a legal U.S. resident. You’ll need to provide your Social Security number and a valid, government-issued photo ID. Those aged 13 through 17 can open a joint account with a parent or guardian.

How do I set up direct deposit?

Set up direct deposit in three simple steps – our automated setup is fast, secure and gives you access to your money the same day.

Where can I find my routing number?

There are multiple places, including: the U.S. Bank Mobile App, online banking, your monthly statement, your checkbook and our routing number directory. The easiest way is to open the app and simply ask the U.S. Bank Smart Assistant, “What’s my routing number?”

How can I reorder checks?

Reordering checks couldn’t be easier. You can also customize your checks. There are multiple ways, including through: The U.S. Bank Mobile App, online banking, by phone or a branch.

How do I deposit a check?

With the U.S. Bank Mobile App, you can deposit a check anytime. Take a photo with your Smart Phone and upload it through the mobile app.

Get more answers to other commonly asked questions

Learn more about account services, features and benefits on our Customer services page.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

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How to write a check in 6 easy steps

December 7, 2023 | 8 min read

If you can’t remember the last time you opened your checkbook, you’re not alone. With debit cards , credit cards , online banking and direct deposit , paper checks can seem like a thing of the past. 

But writing checks can still be useful, if not required, sometimes. So if you need to write a check and find yourself wondering how to properly fill out each field, use this guide. 

Key takeaways

• Checks generally come with preprinted information like the account holder’s name, address, check number, account number and routing number.  
• You’ll need to fill in the recipient, date, amount, signature and memo fields.
• If you make a mistake, you can void a check. You may also need to provide a voided check for things like setting up direct deposit for your paychecks at work.
• Knowing your checking account balance can help you avoid bouncing a check or overdrawing your account.

Find a card that fits your needs

Pre-approval makes it easy to browse card offers without impacting your credit score.

Understanding a check’s format

It’s not complicated, but it helps to know a check’s format and everything that’s on it prior to filling one out for the first time. The parts of a check include preprinted information and empty fields, which you’ll need to complete each time you write a check. 

Preprinted information typically includes:

• Account holder’s name and information: The name and address—and sometimes phone number—of the checking account holder linked to the check are usually printed in the upper left corner.  
• Check number: The check number is typically in the top and bottom right corner of the check. It can help account holders keep track of how many checks they’ve used.   
• Bank routing number and account number: The routing number and account number are a series of numbers usually on the bottom of the check, with the routing number on the left side. 

The rest of the empty fields are used to write out a check. These include the following:

• “Pay to the order of” line for the recipient
• Dollar amount in numbers
• Dollar amount in words 
• Signature line

How to write a check

It’s important to fill out your check accurately and without mistakes. Filling one out improperly might hold up the payment process. And any delays could result in past due fees for certain bills.

1. Date the check

Make sure your check reflects the current date—and write it in the top right corner. Backdating a check occurs when a previous date is used. It’s typically not allowed, and it may even be illegal in some situations. 

A postdated check, which has a future date, might be legal in some instances, but it could be deposited before the date listed on the check. And that can result in a bounced check or overdraft fee if you don’t have enough funds in the account.

2. Fill in the recipient’s name

The recipient, also known as the payee, is the business, organization or person to whom you’re writing a check. The field for the recipient’s name usually begins with “Pay to the order of.” 

Make sure this field is filled out correctly with the recipient’s full name. Incorrectly spelling the name of the person, organization or business—or leaving off part of a payee’s name—could result in your check being returned.

3. Write the dollar amount in numbers

There are two places where you need to list the dollar amount of your check in both dollars and cents. The first location for the payment amount is to the right of the recipient’s name. It’s typically a small box for numerals only and usually begins with a dollar sign, so you don’t need to write one in.

Here’s how to write a check with cents:

• Use a decimal point in the small box—for example, if your check amount is $100, write 100.00.
• Here’s how to write $1,000 on a check: 1,000.00. Don’t forget to add the comma and the decimal point.

For the amount box, write in numbers large enough to fill the entire space to help prevent fraud.

4. Write the dollar amount in words

The second location for the dollar amount is directly below the recipient’s name. This larger field often ends with the word “dollars,” and the amount should be spelled out in words in this location. For example, if the amount of the check is $1,000, write “one thousand.” 

To include the cents, use a fraction with “100” on the bottom. So if the check amount is $44.99, write “forty-four and 99/100.” Even if the dollar amount has no cents, it’s typically best to include a “00/100” for clarity. For example, if you’re writing a check for $1,500, write out “one thousand, five hundred and 00/100.”

When writing out the dollar amount in words, write the amount as far to the left as you can. Then draw a line through any remaining space to the right of the amount listed. That will help ensure the entire field is full, which can help prevent someone from changing the amount of your check.

5. Include a memo

Filling in a check’s memo line may not be required, but it can be helpful to write what the check is for. If the check is for a specific month’s rent or a particular service you’ve received, you can list that in the memo field. You might also put the invoice number there if you’re paying a bill.

6. Sign the check

Lastly, you’ll sign the check on the line in the bottom right corner. Your signature is one of the most important parts of a check. Without it, your check generally can’t be cashed or deposited.

Tips for correctly writing a check

Before you write a check, here are a few tips to consider:

• Use a pen. By writing the check with a pen, you may reduce the risk of someone altering the check or changing the amount of money you’re paying someone.
• Write legibly. Print is often easier to read than cursive. Write in print on each blank field, except your signature field, so the person cashing or depositing the check can read it clearly. This may reduce errors and could help you avoid payment delays. 
• Don’t sign a blank check. Always fill in the name of the recipient and the amount prior to signing. Doing so may reduce the risk of check fraud.
• Double-check your work. Ensure everything is correct before you submit the check.

How to void a check you’ve already written

Mistakes happen. And if you make an error when writing your check, you may want to void it. This could prevent others from using the check and help protect you from fraud. To void a check, write “VOID” across the entire check and start over with a new check. 

There are other reasons to void a check besides making a mistake. For example, you may need to provide a voided check to set up direct deposit for your paychecks at work.

How to write a check to yourself

You can write a check to yourself in a couple of ways. You could write your name as the recipient and deposit the check into another bank account . Or you could make the check payable to “cash” and cash the check. 

While it’s possible to write a check to yourself, be aware that banks and credit unions may charge a fee or refuse to cash the check if you don’t have an account with them. To avoid these issues, you might want to consider using other ways to move your money, like ACH transfers or money transfer apps .

Tips for using your checkbook

Now that you know how to write a check, here are a few tips you may want to follow to keep your checkbook secure: 

Know your checking account balance

You can avoid bouncing a check or overdrawing your account by keeping tabs on your checking account balance. While there are digital tools available to help with balancing your checkbook online, it’s not a bad idea to keep a paper copy as well. 

Most checkbooks come with a checkbook register—also called a balance book. A checkbook register is a way to stay up to date on your account balance. Every time you write a check, update your checkbook register. You can then compare the paper copy to your online balance and ensure there are no discrepancies.

Keep your checkbook safe

You likely do everything you can to keep track of your credit card and avoid letting it fall into someone else’s hands to reduce the risk of credit card fraud . 

A lost checkbook can also lead to problems, including check fraud . So it’s important to keep your checkbook in a safe place and protect it like you would a debit or credit card. If you ever lose your checkbook, it’s a good idea to contact your bank or credit union immediately so they can help you secure your account.

Writing a check in a nutshell

Checks might not be as popular as they used to be, but knowing how to write a check is helpful. And keeping a checkbook handy can be a good idea in case you need to fill out a check for bills and other expenses. 

If you’re interested in getting rewarded for purchases, you can compare rewards cards from Capital One to explore your options. If you want to see which cards you’re eligible for, you could see if you’re pre-approved without hurting your credit.

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How to write a check: A step-by-step guide

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In this article

Parts of a check

Steps to fill out a check, additional tips for writing a check, faqs about checks.

Our writers and editors used an in-house natural language generation platform to assist with portions of this article, allowing them to focus on adding information that is uniquely helpful. The article was reviewed, fact-checked and edited by our editorial staff prior to publication.

If you haven’t written one in a while (or ever), here’s a handy guide on how to write a check.

Key takeaways

• Checks are still a valid form of payment, but are less commonly used due to the rise of electronic payments.
• It’s important to fill out a check accurately and legibly, as any errors can cause issues with the transaction.
• It’s important to keep a record of checks written and payments made to organize your personal finances.

The parts of a typical check include:

• Your personal details: Positioned in the top left corner, these details include your name and the address linked to your bank account.
• Check number: Found in both the top and bottom right corners, this number is used for tracking and security purposes.
• Date line: This is where you specify the date for the intended transaction.
• “Pay to the order of” line: This is where you write the recipient’s name.
• Box for the dollar amount: This is where you note down the amount numerically.
• Line for the dollar amount: This is where you write the check amount, in words.
• Memo line: A feature that gives you the option to indicate the purpose of the check.
• Name of the bank: Usually accompanied by its logo or address.
• Routing number: The initial series of numbers at the bottom left that identify your bank.
• Your account number : The second series of numbers at the bottom that indicate the account from which the funds will be withdrawn.
• Signature line: Where you sign your name to authorize the funds to be drawn.

These days, many consumers send money electronically , but on occasion it may still be necessary to pay by paper check. Checks can be ordered from banks or third-party printers.

It’s important to note that there are several different types of checks, including personal checks , cashier’s checks and traveler’s checks. Though they may come with different fees and different ordering protocols, the way you fill out each check is generally the same.

Before writing a check, you’ll need to have a checking account with sufficient funds to cover the amount of the check. Then, here are the steps to fill one out.

1. Fill in the date

Write the current date on the line at the top right-hand corner. This information notifies the financial institution and the recipient of when you wrote it. The date can be written in long form or all numbers. Either 1/11/2024 or Jan. 11, 2024, could work, for example.

2. Write the name of the payee

On the line that says “Pay to the order of,” write the name of the individual or company you’d like to pay, known as the payee. Use the payee’s full name instead of a nickname. If you don’t know the exact name, you can write “cash” here. Be aware that if a check is made out to cash, anyone can cash or deposit it.

3. Write the check amount in numeric form

There are two places on a check for stating the amount you’re paying. The first is a small box to the right of the line for the recipient’s name. Write the numerical dollar amount in this box. For example, you may write $100.30 if you wish to write a check for one hundred dollars and thirty cents. Make sure you write this clearly so that the bank can subtract the correct amount from your account.

4. Write the check amount in words

Next, write out the dollar amount in words on the line below “Pay to the order of,” making sure it matches the numerical amount. Add the cent amount over 100. For example, if you wrote $100.30 in the box, you’ll write “One hundred and 30/100.” If the check is for $100 or another round number, still include 00/100 after the dollar amount for clarity.

5. Write a memo

The memo section of the check is optional, but it’s a good idea to fill it out because it can serve as a reminder of what the check is for. If you’re writing the check to pay for a haircut, for example, you can write “haircut.” A company may ask you to write your account number or invoice number in this section, which helps ensure the payment is applied to the correct account. You would also write your account number in the memo area if the check’s for a bill payment.

6. Sign the check

Sign your name on the line at the check’s bottom right-hand corner. Sign legibly, and make sure to use the same signature on file at your bank. A signature confirms to the bank that you agree to pay the stated amount to the payee.

That’s it; your check should be all set to make a payment!

• Always use a pen instead of a pencil when filling out a check, to avoid alterations.
• Write legibly to prevent any confusion.
• Double-check the details on the check before handing it over to ensure accuracy.
• Keep track of check numbers and maintain records of checks paid. That way you’ll have a record of the payment if there’s any question about whether a certain expense was paid or how much you spent.

Can I write a check to myself?

What is a postdated check, how should i fix a mistake on a check, bottom line.

With the rise of digital payment methods, writing checks has become less common, but it is still essential to know how to fill one out correctly in case the need ever arises. By following the steps outlined above and double-checking all of the information you’ve written out, you can make sure that your check payments will be processed accurately and securely.

–Freelance writer Anna Baluch contributed to a previous version of this article.

How to deposit a check

What is direct deposit? Here’s how it works

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How to Write a Check in 6 Simple Steps

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How to write a check in 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.

Filling out a check 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, these steps will have you covered.

Step 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. You can choose to fill out the date completely or use numbers. For example, write June 20, 2023 or 6/20/2023.

Step 2. Name the recipient

Who will receive the check? Write their name on the line that begins with “Pay to the order of.” You can name a person or a business. For a person, be sure to use the full name and not a nickname.

Step 3. Fill in the amount with numerals

This is the easy part. Just write out in numbers how much you owe. In the animation above, the check is written for $900 and 50 cents.

Step 4. Write out the amount in words

Put this on the line below the “Pay to the order of” line. 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. For example, say the amount on the check is $100; if you were only to write “one hundred dollars,” your recipient could potentially add some extra cents to the total if there’s space on the line.

Step 5. Say what it's for

Write this on the “Memo” line. This part is optional but handy. It helps you remember why you wrote the check.

Step 6. Sign your name

This goes in the bottom right-hand corner of the check. Note that your check will be rejected if you don't sign it. The signature is an indication that you’re agreeing to pay the amount on the check to the recipient.

Have more questions? Check out our FAQs section.

» Looking for top checking options? Check out our list of the best free checking accounts

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How to sign a check over to someone else

Signing over — also called endorsing — a check over to someone else requires a few steps. One example of when this is needed might be that your child receives a check and doesn’t have a bank account, so you want them to endorse their check over to you so that you can deposit it for safekeeping. Or perhaps you have a check written out to you that you want to sign over to your roommate so they can use it to cover your share of utilities.

However, before you begin the process of signing over a check, you may want to check with your recipient to make sure that their bank will accept a signed-over or “third party” check. Once you’ve confirmed that your endorsed check will be accepted, here’s what to do next:

Sign the back of your check in the endorsement area.

Write “Pay to the order of” and your recipient’s name. 

Give the check to your recipient. 

There’s a chance that your recipient’s bank might need your proof of identification, so you may want to plan on accompanying them to their bank when they deposit your check. Depending on the policies of their bank, your recipient may be able to make a mobile deposit of your endorsed check, but get in touch with their bank’s customer service to check.

» Want to dig deeper? Read more about the parts of a check

Alternatives to writing a check

If you would rather not write a check, here are two options that might work better for you.

Purchasing a money order or cashier’s check. Money orders and cashier’s checks — which can typically be purchased through your bank or through certain retailers in the case of money orders — can be nice alternatives to traditional checks because they take money out of your bank account upfront so that you don’t have to worry about waiting on your recipient to deposit your check.

» MORE: Can I cash a check at any bank?

Using a peer-to-peer payment app or digital wallet. Apps such as Venmo and Cash App and your smartphone’s built-in digital wallet like Apple Pay or Google Pay can all be good options for sending money instead of having to write a check. Zelle, a money transfer service that’s built into most banking apps, is also a good way to send money electronically. Just make sure that you’re sending money to the right person since it may be impossible to get your money back if it goes to the wrong recipient.

» Want to explore apps? Take a look at the top peer-to-peer payment options

If it’s a minor slip-up, draw a single line through the word and rewrite it. You may also need to write your initials next to the change. Whether your check is acceptable will be at the bank’s discretion. If you’re worried about whether it’ll be accepted, the safest option is to invalidate the check by writing “void” across it in large letters and writing a new check.

A postdated 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, postdating checks is not recommended and usually is a waste of time. The bank doesn't have to honor that later date, and overdraft or nonsufficient funds fees may apply if you don't have the money to cover it.

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.

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. Be sure to have a valid, government-issued photo ID.

Yes, you can, but it’s not a good idea since someone else could cash it if it fell into the wrong hands. If you still really want to write a check for cash, you write “Cash” as the payee in the “Pay to the Order of” line on the check.

A postdated 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,

postdating checks is not recommended

and usually is a waste of time. The bank doesn't have to honor that later date, and

or nonsufficient funds fees may apply if you don't have the money to cover it.

On a similar note...

Find a better checking account

See NerdWallet's picks for the best free checking accounts.

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How to Write a Check

Last Updated: April 5, 2024 Approved

This article was co-authored by Gina D'Amore . Gina D'Amore is a Financial Accountant and the Founder of Love's Accounting. With 12 years of experience, Gina specializes in working with smaller companies in every area of accounting, including economics and human resources. She holds a Bachelor's Degree in Economics from Manhattanville College and a Bookkeeping Certificate from MiraCosta College. There are 7 references cited in this article, which can be found at the bottom of the page. wikiHow marks an article as reader-approved once it receives enough positive feedback. This article has 22 testimonials from our readers, earning it our reader-approved status. This article has been viewed 5,317,050 times.

Writing checks is an easy and important skill every adult should know. To write a check, fill in the current date on the line in the upper right corner, the name of the recipient in the "Pay" field, the numerical amount next to the dollar sign ($), and the written form of the same amount on the line beneath; sign the check on the bottom right line and consider adding a "memo" about the check's purpose on the lower left line. The more often you write checks, the more natural the process will become.

Filling Out a Check Quickly

• Write today’s date on the line in the upper-right-hand corner.
• Look for “Pay To” and write the recipient’s full name.
• Write the exact amount next to the dollar sign—for example, $23.45.
• Write the amount in word form on the “Pay to the Order of” line.
• Sign the check on the line in the bottom right corner.
• If necessary, fill out the memo section on the bottom left of the check.

Annotated Check

Writing a Check

• If it's to an individual, include both their first and last names. If they are a 'Jr.' or a 'Sr.' you should include this as well.
• If the check is going to an organization, write out its full name. Do not use acronyms unless explicitly given permission.
• A check is a legal document because it is signed and dated, and the recipient needs to sign it also. The bank is a legal institution that can deny the check being cashed/deposited with missing information.

Expert Q&A

• When you write the amount of the check in the little box, make sure you write it as close to the dollar sign as possible. Forgers will try to sneak in an extra digit. [6] X Research source Thanks Helpful 0 Not Helpful 0
• Always make sure you use the correct date. If you don't know the date, guess an earlier one. You can postdate a check, but not everyone will accept them. [7] X Research source Thanks Helpful 0 Not Helpful 0
• Always use a pen in a dark color such as blue or black. Gel pens are recommended because ink removing liquids do not work as well with the gel. Thanks Helpful 0 Not Helpful 0

Tips from our Readers

• Write 00/100 so people can't change the decimal to a comma.

• When tearing the check from your checkbook, be sure to tear as cleanly as possible. The printed numbers along the bottom of the check, called the MICR line, are necessary for cashing or depositing the check; so is the check number, usually located in the top right near the date. If any of these numbers are partially torn off, the check will be rendered invalid. Thanks Helpful 6 Not Helpful 0
• Make sure your check is written out correctly with the correct spelling of the name and the correct amount of money due to that person. Thanks Helpful 8 Not Helpful 1
• Remember that post-dated checks can be deposited immediately. The date is used to determine when a check becomes stale and will be refused by the bank (typically 7 years after the date unless otherwise specified), not the earliest date that the check can be cashed. A lot of people have been burned by unscrupulous people promising to hold onto checks until the specified date(s). Thanks Helpful 9 Not Helpful 4

Things You'll Need

• A bank checking account
• A book of checks

You Might Also Like

• ↑ http://www.themint.org/teens/writing-a-check.html
• ↑ https://www.immihelp.com/newcomer/writing-a-check-tips.html
• ↑ https://comptroller.texas.gov/taxes/file-pay/check.php
• ↑ https://www.huntington.com/Personal/checking/checks/how-to-write-a-check
• ↑ https://www.investopedia.com/university/banking/banking3.asp
• ↑ http://www.lawfirms.com/resources/criminal-defense/criminal-offense/check-fraud.htm
• ↑ http://www.legalmatch.com/law-library/article/postdated-checks.html

About This Article

To write a check, write the date on the line in the upper right hand corner and write the recipient’s name on the “Pay to the Order of” line. Put the amount next to the dollar sign, making sure to write it in both dollars and cents. Write that same amount in word form on the line below. Finally, sign the check in the bottom right hand corner to make it valid. To learn more, such as what to include on the Memo line, keep reading! Did this summary help you? Yes No

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How To Write a Check: A Step-by-Step Guide

The Balance / Marina Li

While less common than they once were, checks are still widely used, even in today’s digital world. Paper checks are an effective and inexpensive tool for moving money, but you probably don’t write a check every day (or maybe you’ve never even done it before).

Writing a check is easy, and this tutorial shows you exactly how to do it. Move through each step one-by-one, or just use the example above as a model for the checks you need to write. You can complete the steps in any order you like as long as you sign last and the finished product isn't missing any vital information. In this example, you’ll move from the top of a check to the bottom, which should help you avoid skipping any steps.

Key Takeaways

• Before you write a check, ensure you have the funds to cover the purchase and consider alternative payment methods such as electronic transfers or debit card payments.
• You should write the payment amount in both words and numbers, and you should carefully fill out other fields such as the data line, signature, and memo line.
• Recording details in a check register can record more information than your bank statement will show, such as who you paid and why.

Before Writing the Check

Before writing a check, make sure that it’s really something you need to do. Writing a check is cumbersome, and it’s not the fastest way to move money. You might have other options that would make your life easier and help you save money. For example, you can:

• Pay bills online, and even tell your bank to send a check automatically each month. You won't need to write the check, pay for postage, or get the check in the mail
• Get a debit card and spend with that instead. You'll pay out of the same account, but you'll do it electronically. There’s no need to use up checks (which you'll have to  re-order ), and you'll have an electronic record of your transaction with the payee name, the date of your payment, and the amount.
• Set up  automatic payments  for regular payments like utility bills and insurance premiums. There's typically no charge to pay this way, and it makes your life easy. Just be sure that you've always got enough cash in your account to cover the bill.

No matter how you choose to pay, make sure you always have sufficient funds available in your checking account. If you don't, your payments may " bounce " and create problems, including hefty fees and potential legal issues.

How To Fill Out a Check

Here's an overview of the perfect check.

• Current date : Write this near the top right-hand corner. In most cases, you’ll use today’s date, which helps you and the recipient keep accurate records. You can also  postdate the check , but that doesn't always work the way you think it will.
• Payee : On the line that says "Pay to the order of," write the name of the person or organization you’re paying. You may have to ask "Whom do I make the check out to?" if you're not sure what to write, because this information needs to be accurate.
• Amount in numeric form : Write the amount of your payment in the small box on the right-hand side. Start writing as far over to the left as possible. If your payment is for $8.15, the "8" should be right up against the left-hand border of the dollar box to prevent fraud. See examples of  how to write in the amount .
• Amount in words : Write out the amount using words to avoid fraud and confusion. This will be the official amount of your payment. If that amount is different from the numeric form that you entered in the previous step, the amount you wrote with words will legally be the amount of your check.  Use all capital letters, which are harder to alter.
• Signature : Sign the check legibly on the line in the bottom-right corner. Use the same name and signature on file at your bank. This step is essential—a check will not be valid without a signature.
• Memo (or “For”) line :   If you like, include a note. This step is optional and will not affect how banks process your check. The memo line is a good place to add a reminder about why you wrote the check. It might also be the place to write information that your payee will use to process your payment (or find your account if anything gets misplaced). For example, you could write your Social Security Number on this line when paying the IRS, or an account number for utility payments.

After You Write the Check

After you write the check, make a record of the payment. A check register is an ideal place to do this, whether you use an electronic or paper register. Recording the payment prevents you from spending the money twice—the funds will still show as available in your account until after the check is deposited or cashed, and that could take a while. It’s best to make a note of the payment while it’s fresh in your mind.

Making a record of every check you write in a check register will allow you to:

• Track your spending so you don't bounce checks
• Know where your money goes (your bank statement may only show a check number and amount—with no description of whom you wrote the check to)
• Detect fraud and identity theft in your checking account

You should have received a check register when you got your checkbook . If you don’t have one, It’s easy to make your own using paper or a spreadsheet.

Copy all of the essential information from your check:

• The check number
• The date that you wrote the check
• A description of the transaction or whom you wrote the check to
• How much the payment was for

If you need more details on where to find this information, see a diagram showing the different parts of a check .

You can use your register to balance your checking account . This is the practice of double-checking every transaction in your bank account to make sure that you and the bank are on the same page. You’ll know if there are mistakes in your account, and if anybody has failed to deposit a check you wrote them (thereby making you believe you have more money to spend).

Your check register can also provide an instant view of how much money you have available. Once you write a check, you should assume that the money is gone—in some cases, the funds are drawn from your account quickly, because your check is  converted to an electronic check .

Tips for Writing a Check

When you write a check, make sure it gets used the way you intended—to pay the amount you expected to the person or organization you intended.

Thieves can alter checks that get lost or stolen. Checks have multiple opportunities to get lost after they leave your hands, so make it difficult for thieves to create headaches for you. Whether or not you lose money permanently, you’ll have to spend time and effort cleaning up messes after fraud.

Security Tips

Develop the habits below to decrease the chances of fraud hitting your account.

• Make it permanent : Use a pen whenever you write a check. If you use a pencil, anybody with an eraser can change the amount of your check and the name of the payee.
• No blank checks : Don’t sign a check until after you’ve filled in the name of the payee and the amount. If you’re not sure whom to make the check payable to or how much something costs, just bring a pen—it’s much less risky than giving somebody unlimited access to your checking account.
• Keep checks from growing : When you’re filling in the dollar amount, make sure you print the value in a way that prevents scammers from adding to it. Do this by starting at the far left edge of the space, and draw a line after the last digit. For example, if your check is for $8.15, put the “8” as far to the left as possible. Then, draw a line from the right side of the “5” to the end of the space or write the numbers so large that it’s hard to add any numbers. If you leave space, somebody can add digits, and your check might end up being $98.15 or $8,159.
• Carbon copies : If you want a paper record of every check you write, get checkbooks with carbon copies. Those checkbooks feature a thin sheet containing a copy of every check you write. As a result, you can quickly identify where your money went and exactly what you wrote on every check.
• Consistent signature:  Many people don’t have a legible signature, and some even sign checks and credit card slips with humorous images. But consistently using the same signature helps you and your bank identify fraud. It’ll be easier for you to prove that you’re not responsible for charges if a signature doesn’t match.
• No “Cash” : Avoid writing a check payable to cash. This is just as risky as carrying around a signed blank check or a wad of cash. If you need cash, withdraw from an ATM, buy a stick of gum and get cash back using your debit card, or just get cash from a teller.
• Write fewer checks : Checks aren’t exactly risky, but there are safer ways to pay for things. When you make electronic payments, there’s no paper to get lost or stolen. Electronic payments are typically easier to track, because they’re already in a searchable format with a timestamp and the name of the payee. Use tools like  online bill payment  for your recurring expenses, and use a credit or debit card for everyday spending.

Frequently Asked Questions (FAQs)

Can i write a check to myself.

You can write a check to yourself and then deposit it in an ATM, at a bank branch, or through your mobile banking app. Use the same process outlined above, and put your name in the "Pay to the Order of" area of the check. You will need to endorse the back of the check when you deposit it.

When should I sign the check?

Do not sign a check until you have filled in the "Pay to the Order of" section, as well as the numeric and written amount. Signing a blank check leaves your bank account exposed if you accidentally lose it or if it is stolen.

HelpWithMyBank.gov. " Do Banks Pay the Numeric Amount or Amount in Words on Checks? "

P&G Mehoopany Employees Federal Credit Union. " Check Writing 101 ."

How to Write a Check

Not everyone uses checks super frequently, so sometimes it helps to have a refresher on how to write a check, just to make sure you get it right.

You may not use paper checks very frequently, or maybe you do! Either way, knowing how to write a check is a great skill for anyone to have, just in case. Writing out a check may seem complicated at first since there are 7 different fields to know about, but once you know what these 7 fields mean, you'll find writing out a check easy to do.  

While you're learning about how to write a check correctly, you can also make use of Check City's convenient and simple check cashing services .  

What is a Check?

Checks are a form of paper payment. A personal check is a written financial statement that allows a bank to pay the check recipient through the check sender's checking account. But there are also many other different kinds of checks aside from personal ones.  

Paper checks are a kind of paper payment that allows a bank to take money from the bank account of whoever wrote the check (the check writer), to pay whoever is depositing the check (the check recipient). You can get your own checkbook full of checks through your bank or credit union.

How to Write Out a Check

Learning how to write out a check might seem complicated, but it's really easy once you know what goes in each check field. Listed below are all the different fields in a check. You need to understand what each section is for in order to know how to fill each one out.  

Field #1: Date

In the top right-hand corner of the check, you'll find the date line. Usually, you'll just write the current date, but one of the great things about checks is that you can post-date it, meaning you write a future date on the check to ensure it can only be deposited after the date you mark down. So if you need to pay someone, but need them to wait until payday, you can still hand them the check now.  

Field #2: Pay to the Order of

This line is where you write who you are writing the check for. This might be the name of a person or the name of a company or organization. For example, if you're using a check to pay for groceries at the grocery store, then the name you'll put here is the name of the grocery store.  

Field #3: Dollar Box

In this box, you write the payment amount of the check in numerals. So instead of writing "one hundred dollars" you write "100.00."

Field #4: Dollars Line

Then there's a line with the word "Dollars" at the end of it. Here is where you write the monetary amount of the check in words. So instead of writing "100.00", you write "one hundred and 0/100."  

Field #5: Memo

The memo is where you write a note about what the check is for. You can fill out this section for your own files so that the check stub has the check's purpose written on it too. The memo section can also let the person receiving the check know what the check is meant to be used for.  

You don’t have to fill out this section but it can help to do so, to not forget why you wrote out the check in the first place.  

Field #6: Signature Line

Here is where you sign the check.  

Field #7: Check Numbers  

At the bottom of each check you'll find 3 sets of numbers. The first set of numbers is the routing number, the second set of numbers is the account number, and the final set of numbers is the individual check number.  

*Quick Tip: Keep the check stub and use it for your files. The check stub is the thinner paper copy behind the check that gets written on as you write out the check. This gives you a hard copy of the check you wrote for your own checkbook balancing and financial records.

How to Write a Check Amount

Learn how to write a check amount so you can comfortably write out any number in words! If you have any questions about how to write your specific dollar amount you can take a look at the charts below. A printable number chart is also available by clicking here.  

But let's quickly go over some frequently asked number to words questions:

How to spell 90: ninety

How to write a check for 1,000: In the Dollar box you would write, "1,000.00" and in the Dollar line you would write, "one thousand and 0/100."  

How to write a check for 1,500: In the Dollar box you would write, "1,500.00" and in the Dollar line you would write, "one thousand, five hundred and 0/100."

How to write a check for 100 dollars: In the Dollar box you would write, "100.00" and in the Dollar line you would write, "one hundred and 0/100."

How to Write a Check with Cents

A lot of people have questions about how to write a check with cents. Have no worries! This is the easiest part of the check because you can still write the cent amount out in numerals.

After you write out the dollar amount in words, you write "and" and then write the number of cents in numerals over 100.

For example: If you want to write a check out for $100.50, you would write on the Dollars line, "one hundred and 50/100."

How to Balance a Checkbook

In the back of your checkbook, there is a check registry—extra pages with a chart to record key information from each transaction. Whenever you write a check, keep the check stub to make filling out the check registry later easier.  

Field #1: Write the same date on the check on its line in the check register.  

Field #2: In the description, column write the same things you would write on the "Pay to the Order of" and the memo line.  

Field #3: In the "payment/debit" column write down the amount you paid.  

In the deposit/credit column record deposits to your own account, like when you deposit a check into your own account.  

In the balance column keep track of your total account balance, adding deposits to your account, and subtracting transactions you've paid.  

Field #7: Write out the check ID number. It's the last couple of numbers at the bottom of the check. This way you'll know exactly which check in your checkbook went to what, including which are voided checks .

Keep Learning

Article sources.

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A Step-by-Step Guide on How to Properly Write a Check

We get it: When you have to start writing out hundreds and thousands, it gets confusing.

Know your numbers

How to write a check, record your check, tips for writing checks.

My dad was a banker when I was growing up, so he emphasized the importance of financial literacy even when my little brother and I were still at the piggy bank stage. When our elementary school started a student-run bank to teach us about saving, we were among the first ones in line to open bank accounts so our hard-won allowance money could start earning interest. I still remember how proud I felt holding my very first checkbook at the ripe old age of 10.

Decades later, my checkbook spends most of its time in my desk drawer. In the age of online bill payment systems and credit card points, I write relatively few checks these days. But when I do, I can still picture my dad leaning over my child-sized hands, showing me where to put each of the crucial bits of information to ensure it's filled out correctly. If you're like me and sometimes have to pause to remember how to write a check when it's time to pay rent, bills or other expenses, we're here to help. This step-by-step guide will ensure you don't miss any.

Before writing a check

You know what they say: An ounce of prevention is worth a pound of cure. Save yourself a headache later by first making sure you've got the funds in your account to cover the check you're writing, especially if it might be close. If your check bounces, which is what happens when there isn't enough money in your account to cover it, that can lead to penalty fees from your bank or other legal concerns.

And if you can, consider using alternate payment methods that might be greener, not to mention save you the hassle of filling out a check and reordering more when they run out. Many companies offer online bill-pay, including automatic payments so you can set it and forget it. Using a debit card instead of writing a check will also create an automatic record of your transactions, so you don't have to worry about doing that yourself.

When you're looking at a check, there are a few numbers you'll need to know. These are important because they indicate which check you're writing so you can keep track of it, as well as the account it's coming from and the bank where it's held.

• Bank routing number. This is the unique identification number for your bank. It's also the number you'll be asked for if you're using online bill pay when they ask for the routing number.
• Account number. This is your individual checking account.
• Check number. This one indicates which check you're using. You'll want to record this in the check registry (more on that later) so you know which checks you're using for which transactions.

When you're filling out a check — in pen, don't forget! — take care to use each field correctly so you don't have to start over and waste checks. Always write legibly and use both numbers and letters where indicated, so there's no question about how much you want your bank to take out of your account and who it's going to.

Here's where everything goes.

• Date. Put the date you're writing the check in the field in the upper right corner. That will tell the person who's receiving it when you wrote it. If you need to postdate a check, write in a future date that will indicate when it can be cashed. You may need to do this if you're sending a check earlier than when it's due and you don't have the funds to cover it at the exact moment, or just don't want the money taken out until it's time.
• Payee. Next to where it says "pay to the order of," write the name of the person or business that will receive the check.
• Check amount (numerical). Here's where you write the amount the check is for in digit form. Fill the entire box so no one can add extra numbers and increase the amount the check is for. For example, if you're writing a check for $250, you can write $250.00 to fill the entire box and make sure there's no confusion about the exact amount.
• Check amount (text). Below the payee line and to the left of where it says "dollars," write out the amount the check is for in words. Writing it out in both words and numerals ensures there's no confusion over the amount. You want to fill in the entire line here, too. If you're writing a check for $250, you'd write, "two hundred and fifty and 00/100." Instead of writing out cents, you would put the cent amount slash 100. In that case, if you're writing a check for $15.50, you'd write, "fifteen and 50/100." The "dollars" part is already printed on the check so no need to write that out.
• Memo. This is where you write what the check is for. It's not legally required, but will help you track your check if there are any issues. Get as detailed as will be helpful for your own records.
• Signature. Finally, sign your check on the line in the bottom right corner to indicate you agree to pay the amount above to the person or company you've designated to receive it. The check isn't valid until you sign it, so don't forget this step.

After you've written your check, it's a good idea to record it in your check register. You can use the register that comes with your checks, a spreadsheet or any other method that works for your money management system.

Your records should include:

• Check number
• Date the check was written
• Payee, or who you wrote it to
• A memo detailing what the check was for

Both before and after you write a check, it's important to make sure it's secure so you don't fall victim to bank fraud. Here are a few tips to make sure your check is safe.

• Use pen. Fill out your check in blue or black permanent ink instead of pencil. That will ensure no one can change the fields after you fill them out.
• Never sign a blank check. Putting your signature on a blank check essentially gives anyone in possession of it free rein to withdraw as much money as they want. That's why we recommend only signing your check after it's totally filled out.
• Void all mistakes. If you make an error, write the word "void" across the check. Then tear it up and throw it away so it can't fall into the wrong hands.

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How to Write a Check: A Simple Step-by-Step Guide

Checks have become an outdated form of payment for most people. That is until your landlord requires one and they need to pay their rent or utilities but don’t know how to write a check.

Save yourself some time and embarrassment and learn step-by-step the correct way to write a check in the article below. You’ll also understand how to use online checks and create your own.

Table of Contents

How to write a check

To write a check, you need to include the date, amount, payee, signature, and written statement for the amount of the check. There’s also a line for adding a memo to the check for better bookkeeping purposes.

The memo isn’t a required part of a check for the bank to validate the funds. You can leave this section blank and still be able to use it at a bank.

Follow the steps below to see the correct way to write a check.

FYI: If you need to write a check but don’t have any on hand, you can easily order some online from Checks In The Mail .

They’re just as secure as checks you get from your bank, have a huge range of designs…and you can get 20% off your order at that link.

1. Date your check

The bank will use the date you provided to validate any claims about when the check was given and when the check was cashed. This also helps you keep track of the date that the money was sent to someone in case you need to reference it later.

2. Fill out the payee information

The payee section of a check is needed so that the bank knows who is receiving the funds. Always fill out this section with the exact name of the person or company you are sending the payment to. Incorrect names could lead to the check being rejected.

Related: Can Someone Else Deposit a Check For Me?

3. Write the amount

The numerical value is how much money you are giving to the receiver of the check. The bank uses this number to know exactly how much to pull from your account. 

Keep in mind that if you write a check without cents, you don’t need to include zeros when writing.

4. Write the amount in words

Banks require you to write out the total amount in words as a way of confirmation before issuing the funds. You shouldn’t write a check with cents though. Instead, use numbers to convey the amount of change.

But be careful in writing since there are only a few options if you need to fix a mistake on a check.

5. Sign the check

The person who writes the check is responsible for it. Signing the check lets the bank know you have confirmed the payment is valid. Banks won’t release the funds if the check isn’t signed.

6. Add a memo

Banks don’t require a memo to be added to release the funds, but adding a memo can help with your bookkeeping, such as if you’re trying to keep track of bills and payments . This is why you should try to keep the description as apt as possible.

How do you write a check for $1000?

As an example of how this works in practice, let’s show you how to write a check for $1,000:

• Insert the date
• Add the full name of the payee , whether that’s an individual or a company
• Write the amount in numbers. Given that you’re looking to write a check without cents in this example, it’s best to add a line after the amount so no one can change the figure. In this case, that would be like this: $1000—
• Write the amount in words. As the word “dollars” is usually preprinted on a check, you only need to write the actual amount. However, as we’ll explain more below, you should write a check with cents as a fraction in this section. In this case, this will read: One thousand and 00/100.
• Sign the check to validate it. This lets the bank know that you’ve authorized the check and that the payment is valid.
• Include a memo if you want. This isn’t required by the bank, but it can be helpful for your own record keeping by letting you know what the payment is for.

Can you write a check by hand?

You can write a check by hand if using a pen when filling out all the required information. Pencil can be altered and is not a valid form of writing when filling out a check.

Individuals write more hand-written checks than organizations or businesses. They use checks in order to keep better track of their expenses and not have all their funds taken at the same time.

Large organizations often write too many checks for them to be hand-written and will end up printing checks. You’re also unlikely to find a hand-written certified check .

Although hand-writing a check may take longer than online checks, you are given physical receipts of your check you can keep with you. If you have trouble organizing your online files, having a physical receipt makes bookkeeping easy to track.

And don’t worry if you realize you’re using a check with an old address , as the check itself is still valid.. In fact, it happens relatively frequently for those who only use checks from time to time.

Things to keep in mind when writing a check by hand

One point to note is that hand written checks take longer to process and banks don’t withdraw funds from an account until the check is cashed. In particular, when you handwrite a check to an organization it may take several days to process, but when you give a hand-written check to an individual, they have up to 180 days to cash it.

This process makes it easier for you to write checks throughout a month and still have a chance to replace the money before it’s taken out of your account. After all, if you’ve written a check to an individual, they could take months before cashing out your funds.

That said, if a deposit is pending, they can’t use the money which is why most people will try to cash their checks as quickly as possible.

At the same time, if they do wait before depositing it, this could turn into a bad situation if your liquid net worth is a bit low at the moment they cash the check, so that you don’t have the funds available when they are withdrawn. At the time you wrote the check you may have had the funds, but you will need to keep the amount of the check in your account until the check is actually cashed.

If you hand-write a check over the weekend, most banks will be closed. You won’t see the funds being taken from your account until the banks have had time to catch up on processing all their transactions.

Can I write a check from online?

You can write an electronic check, or e-check, online if you have your account number and routing number available. Most banks and online payment sites allow you to pay your bills by writing an e-check.

Writing an online check when paying your bills won’t look in any way like a paper check. It will look like most online forms that you fill out where specific fields are required before processing the transaction.

Because you will be filling out sensitive information when writing a check online, you need to ensure the website is secure. Sites that aren’t secure leave your information vulnerable to hackers who could steal this information.

If you don’t have your routing number or account number, you won’t know how to write a check online. Contact your bank or sign in to your online banking portal to find your routing and account numbers.

Also keep in mind that writing a check from online is different from ordering a check online , which involves having physical checks sent to your house. If that’s what you’re looking to do, check out (pun intended) Checks In The Mail .

How do you write amounts in words on a check?

To write amounts in words on a check, you need to spell out every word in the total amount except for the change. Any leftover amount in cents can be written numerically as a fraction.

In particular, make sure you do the following.

1. Spell out the dollar amount

No matter if the amount is a few dollars or a few thousand, you have to spell out each individual number in the total amount.

Let’s say you want to pay a mortgage bill with a check for $2546.47. We’ll use a unique number so you can see what it all should look like written out. Start with the number on the left and spell it out almost exactly how you would say it to another person.

For example, you would write: two thousand five hundred forty six.

Don’t include the word “and” in the middle of any dollar amounts when you are writing your words on a check. The “and” will be added after your dollar amount, when you introduce the cents.

2. Write your cents

You will write the cents as a fraction. In the example above, your cents would be 47/100. This represents how much change you have before reaching a full dollar.

Because there isn’t enough room on your check line to write out the entire cent amount along with your dollars, you can abbreviate it. If you don’t have any change to add in this section, you will still include the fraction except you will put zeros at the top.

Make sure your written amount and your numerical amount match exactly, or the bank could send your check back.

3. Leave no room after the amount

Your check will go through several hands before it is actually processed and the funds are taken from your bank account.

To prevent fraud or malicious activity, put a line that goes from the end of your writing to the end of the field. You don’t want anyone to rewrite that section or add more numbers to increase the amount.

This method is helpful when you write checks to individuals you don’t know. If a bank sees suspicious activity on the check, like crossed-out markings or mistakes in writing, they could possibly refuse the check.

Keeping yourself protected by adding markings that let the bank know what you intended to write could keep your account from being taken advantage of.

Can any piece of paper be a check?

While, technically speaking, any piece of paper can be a check, it’s unlikely to be accepted by the recipient bank, let alone the recipient themselves. This is because checks are printed on special paper by banks which have certain security measures for verification purposes.

By having these measures in place, it ensures that the bank can be sure the check is original and not made by someone with malicious intent.

(Which means it’s much easier to use an actual check for your payment rather than any random piece of paper. If you don’t have any checks on hand though, I’d recommend taking a look at Checks In The Mail – you’ll even get 20% off your order at that link!)

Only checks that have been authorized by the account holder can be written. Accounts may be authorized online, at a teller window, or over the phone.

Now, you can write a check on any piece of paper and use it as a form of payment if you can convince someone it is worth a specific amount. The only problem is finding someone who would actually cash that check.

Most institutions would not accept that as a form of payment.

Can you draw your own check?

While it’s legally permissible to draw your own check, you won’t find success in doing so unless you use computer software and have purchased blank checks. This is because banks require specific elements that you need to include in your checks for them to go through a process of validation.

However, if you are able to meet all the requirements met by the bank institutions when you print your own checks from home, you will be able to use them to purchase goods.

You can find blank checks that meet minimum requirements at office supply stores or online. These checks fit into home printers so you can fill out the information and print a check for yourself.

In the past, magnetic ink was used by banks and automatic check reader machines to verify your account number and routing number. Even though banks still use magnetic ink on their checks, the reader machines no longer require magnetic ink when verifying.

Using your home printer will work fine when you draw your own checks. Make sure you have the following items when printing checks from home:

• Account number
• Routing number
• Amount in words and numbers
• Signature of account holder

Anna is the founder of LogicalDollar and a personal finance expert, having been featured in Forbes, HuffPost, Reader’s Digest, Bankrate, MSN Money, Yahoo! Finance, CreditCards.com and many more. With more than 10 years of experience in the financial and legal industries, bachelor’s and master’s degrees in these fields, as well as her own journey in turning $60,000 in debt into a thriving investment portfolio, she’s committed to helping others get on the path to financial freedom.

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Check Writing Number (amount of money) to Words

Enter a number:  

words     currency(USD)     for check writing

How to write a check

Definition of a check.

A check is a legal document that allows the owner of check to give financial institution which holds money the order to pay the payee the amount of money that the owner of check has designated.

7 steps to write a check

Write today's date. The date should be current, because check must be cashed in a period of time, usually 180 days or specified by issuer or banks.

• Fill out the pay to line. Spell payee's name correctly, don't use abbreviated name(e.g. FB for Facebook) without permission from payee or your bank.
• Write the exact amount you'd like to pay in number with decimal part.
• Write the exact amount you'd like to pay in words.
• Add a note on check for personal reference, sometimes requested by payee(write your phone number as note for a check to pay phone bill).
• Review all other parts of information and make sure all are good, then sign your name.
• Mail or hand over your check.

Basic of personal/business check

Personal or business check contains two parts. One is pre-printed information. Another is what needs you to fill out.

Parts of pre-printed:

• The account owner's personal information, including name and/or address
• Your bank’s name, logo, and branch contact information
• Your bank’s routing number. The routing number will be used to identify the bank branch when doing clearance.
• Your account number. This is your account number in the bank. It is printed following ABA number.
• Check number of your check book. A reference for yourself to keep track your checks.
• Your bank’s American Bankers Association (ABA) number.

Parts that will be filled out by you:

• Payee line. Who the check is payable to.
• The dollar box. The amount of the check in numerical format.
• The amount in words. The amount of your check written out using words instead of numbers.
• Memo. Add an unofficial note to your check for payee or yourself.
• Date. When the check is written and issued
• Signature. Only sign the check until you've filled out and reviewed all of the other sections of the check and decide to issue it.

List of some numbers with their English names

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How to write a check, per financial pros

For some, writing a check is second nature. For others, it may seem as antiquated as using a rotary phone. “While we’re all used to grabbing our laptop or phone when it’s time to make a payment, there are still times when writing a check is essential,” says Jen DeLoyd, head of checking and consumer insights at Capital One . “Everything from making your rent payment to sending a gift to paying bills may require you to know how to write a check.” Whether you’re new to the art of writing checks or just need a refresher, we’re here to help.

And if you’re completely clueless on the check-writing front, know that you’re not alone: “A couple of years ago, after discussing finances with my teen and young adult kids, I realized how detached they are from financial transactions that aren’t digital,” recalls Joyce Marter, financial therapist and author of The Financial Mindset Fix: A Mental Fitness Program for an Abundant Life . “I handed them each a blank check of mine, and told them to make the check out to themselves for $50. Whoever did it correctly could keep the check. None of them did.”

This has inspired Marter to continue to work on these personal finance skills with her “adultlings” as well as empower her clients to learn these skills “because financial literacy is so important for us all.” Plus, checks are more practical than you may think. As Ohan Kayikchyan Ph.D., CFP® , a money coach and educator, puts it, paper checks might sound like an antique banking concept, but they remain useful in this digital age . “If you are hiring a contractor, landscaper or babysitter, chances are they will ask you to pay with a physical check. Even the majority of retailers and grocery stores still accept physical checks,” he says, noting that they can be an alternative payment method when your debit card or credit card is lost or stolen. 

To spread your financial wings a bit more, keep reading to learn exactly how to write a check, common mistakes to avoid when writing a check and beyond.

What is a check?

“A personal check is a promise that the payee will receive the money when the check is deposited into the payee’s account or presented at the bank to be cashed,” says Kayikchyan. Checks all have common features on them to designate where payment goes and the amount, including the check number, routing number, account number and the payee.

What do all the numbers on the check mean?

All checks have standard numbers printed on them, as well as areas you will have to fill in to initiate a payment. Let’s review what these important numbers signify.

• The check number. As Kayikchyan notes, this is usually printed in the top right corner of the check and helps banks identify the specific check written and allows the check writer to track their checks. You will also likely see the check number at the bottom right of the check, after your account number, says Marter, and it is the shortest series of numbers on the check. “For individuals with a new checking account, the numbers are low (for example, 001, 007, etc.) and for individuals who have a more established account, the numbers will be higher (for example, 2106, 2107, etc.),” she continues. Since low check numbers can be a red flag to payees that you may not have established credit and your check may be at risk to bounce, when opening a checking account, Marter recommends asking that your checks start with 1001 so that you don’t raise any concerns.
• The account number. “The account number is usually 8-12 digits and is specific to you and your checking account,” says Marter, stressing that this is a number that you want to keep confidential and protect just as you would with your social security number or PINs. “The check number usually appears immediately after the account number, usually with a pair of quotation marks in between. The account number does not include the check number,” she adds.
• The routing number or ABA number. This is a nine-digit number at the bottom of your check. “The routing number identifies your particular bank or financial institution. It is there for financial institutions to be able to recognize and communicate with one another,” explains Marter. “The routing number helps to identify the financial institution associated with your checking account, while the checking account number informs the bank which account to take the funds from.”

How to write a check

“When you go to write a check, you’ll first look at the empty fields on the check itself,” says DeLoyd. It may sound pretty easy, but it can be a little daunting if you’re new to the process. A step-by-step tutorial for writing a check follows. First, Kayikchyan emphasizes the importance of not signing a check unless the amount you want to write the check for is available in your bank account. “It's crucial to avoid returned items or overdraft fees for both parties involved and ensure an overall smooth business experience,” he says. Once you make sure you have enough money in your account, here’s how to proceed.

• Write the date. When writing a check, it’s easiest to start from top to bottom so you’re on autopilot, and the date field is a good place to start. “Write the date on the line at the top right of the check on the line that is designated for the date,” says Marter, noting that you can write the date you are writing the check or the date that the check will be eligible for deposit. For example, if it’s December 15 and you don’t get paid until December 31, you could write the check for January 1 in order to ensure the check clears successfully, says Marter. In this case, make sure you’re not giving the recipient the check until that date or have knowledge that they won’t be depositing it until then. Worth noting:  “You can write the date out numerically (01/01/2024) or longhand (January 1, 2024),” says Marter, adding that numbers are often easier to read and fit better on the short line.
• Write the name of the check’s recipient. “This can be a person or business, but it’s crucial to fill it out correctly with the recipient’s full name, as any errors or missing information may cause the check to be returned,” says DeLoyd. For example, if your friend goes by “Ziggy” but his name is Frederick Zigaro, write the check to “Frederick Zigaro” if that is the name he uses for his account, or if you’re writing a car payment check to “Honda Financial Services,” write that full phrase out and not simply “Honda” says Marter. The same applies for entities. “If you are writing the check for your car payment, look at the payment address and write exactly what they have written as the payee name,” Marter adds. 
• Fill in the field for the amount of the check, numerically. In the box after the “$” sign on the same line as “pay to the order of,” fill in the amount of the check numerically. “You need to include both the dollar amount and the cents. For example, ‘100.00’ rather than ‘100,’” clarifies Marter. Since check fraud can be a concern, Kayikchyan says to start the numerical amount from the far left side of the box in case the check is stolen, and someone attempts to alter the amount by adding numbers.
• Fill in the field for the amount of the check in words Then, you’re going to do the same thing by writing out the amount. “On the long line that ends with the word ‘dollars,’ you will write out the amount in the long hand. It is very important that you also include the cents. For example, ‘one-hundred and 00/100,’” says Marter. “The ‘00/100’ indicates that your amount includes zero out of a possible 100 cents. This serves as confirmation of the numerical value you indicated in step three,” Marter continues. Just as when you are writing the numeric payment amount largely enough to fill the box, you similarly want to write the worded dollar amount as far to the left as you can and draw a line through any remaining space to the right of the amount listed to remove space for someone to change the amount you listed, counsels DeLoyd. Pro tip: Use all capital letters for this section, as they are generally clearer to read and harder to alter, says Kayikchyan.
• Sign the check. Time to give your John Hancock. “On the line on the bottom right of the check, you will sign your full legal name that is listed on your account. This is a written signature, rather than your name printed out,” says Marter. “If you have a business, you may have a signature stamp so that other people can sign your checks for you. Your signature should look the same as when you signed to open your checking account.” As Kayikchyan points out, a check is not valid without a signature so you don’t want to forget this step. That said, he urges individuals to never sign a blank check, “as doing so makes it easier for fraudsters if they gain access to your signed blank check.”
• Optional: Fill out the memo section. Once you’ve signed the check and done all of the above steps, you’re good to go. Still, it’s a good habit to complete the memo section. “This is where you can make good notes of what the payment was for to remind yourself later so there is no confusion,” says John Owens, financial wellness expert and executive vice president, Monterey Financial . Marter also notes it “can be used for personal notations so that you and the payee know what the check is meant to pay and so that they can record your payment properly.” Some examples Marter ticks off for this section include your account number for the company to whom you’re paying a bill, “January rent,” or “holiday gift.”  

Tips for writing checks

As you’ve seen, writing a check only requires filling out a few fields. In fact, this essential financial skill can be done in a matter of minutes. That said, financial pros do, so individuals make the same check-writing mistakes again and again, so here are a few faux pas to avoid when writing checks. 

Use a pen with black ink. “It is best to use a pen with black ink as colored ink doesn’t scan as well and sometimes isn’t accepted,” says Marter. “Do not use a pencil as it can be erased and is not acceptable for legal or financial documents including checks. Using a black magic marker is not recommended, as writing becomes more difficult to read with a fat tip.”

Write clearly. Messy writing may be par for the course in your personal journal or wall calendar, but do your best to spruce up your handwriting game when writing checks. “Make sure you take the time to write clearly,” says Owens, who suggests that if you generally write in cursive, slow down and make sure every number and letter can be read to avoid any questions or confusion.

Proofread your check after writing it. After writing your check, Marter says to take a few seconds to review your check for legibility, accuracy and completeness. This can save you from a headache down the line if your check can’t be processed. “If you made a small mistake, such as making the year 2023 instead of 2024, you can cross out the mistake with a single line (don’t scribble it out completely), initial the error and write the correct information next to it,” says Marter, noting that if you made a greater error, like writing the entirely wrong amount, it is best to shred the check and start over. One more related note, especially if you don’t shred the check: “If you no longer need the check or make an error, it’s best to write ‘VOID’ over the check so that it cannot get deposited by accident,” says Owens.

Order a duplicate checkbook. This is a checkbook in which a thin piece of paper is behind each check, so you’re automatically making a copy every time you write a new check. Kayikchyan always recommends that his clients order a duplicate checkbook. “With a duplicate checkbook, you can keep a copy of every check you write, maintaining a record of the payee, amount and date of each transaction,” he says.  

Store your checks in a safe place. In addition to keeping your checks in a secure place in your home (i.e., not out in the open for anyone to view, especially if you have contractors, tutors, housekeepers, babysitters or other guests frequently in your home), Marter urges people to keep their checks “dry, clean and unwrinkled as any damage can make the check ineligible for deposit due to illegibility.”

A note about check fraud

Like any form of financial transactions, there are risks of fraud when writing checks. “There have always been fraudsters who attempt to steal money from customers’ bank accounts. The bad guys look for ways to access these funds or to get customers to unwittingly part with their money,” says Roxann Cooke, managing director, consumer banking at Chase . Unfortunately, the banking industry is seeing check fraud on the rise, says Cooke, sharing that instances of check fraud were up 84% in 2022 . “Remember to be careful when using checks as they can include your name, address and bank account number,” she says. “With all this information, it’s important to take steps that can prevent them from falling into the wrong hands.” Here are some tips Cooke recommends to minimize the risk of check fraud:

• When possible, ask if the person you are writing a check to accepts electronic payments, Zelle or the online bill pay services that your bank may provide. Be sure you are sending it to the correct recipient before you hit send.
• Make sure to use permanent ink (like a ballpoint pen; don't use a pencil or an erasable pen) and use the entire space when filling out the payee name and dollar amount, so that no one can add another name or additional information. Checks with regular ink can be “washed” easily and the handwritten information replaced with a different payee name and different amount.
• Never write a check out to CASH unless you intend for it to be used by anyone coming into possession of the check.
• Make sure you’re signing your checks the same way every time.
• The way you send your check is also important: some reports indicate unattended mail boxes are being targeted by fraudsters. You may want to drop your check off at an actual post office location or in a secure manner (or hand-deliver to your payee).
• If sending a check is necessary, people can sign up for alerts and review their transactions online or on their mobile phone if their bank offers a banking app to ensure the name and amount match your original check and the status of the payment.
• Order your checks from a reliable source and make sure your name, address and account number are correct as soon as you receive them.
• Destroy and shred unused checks from closed accounts. 

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Perri is a New York City-born-and-based writer. She holds a B.A. in psychology from Columbia University and is also a culinary school graduate of the Natural Gourmet Institute. She's probably seen Dave Matthews Band in your hometown, and she'll never turn down a bloody mary. Follow her on Twitter  @66PerriStreet  or learn more at  VeganWhenSober.com