Learn How to Write a Check: Best Practices

How to write a check


Importance of check writing today

In our technologically advanced age, the art of writing checks may seem antiquated to some. However, the necessity and relevance of knowing how to write a check remain undiminished.

Whether it’s for personal use or business transactions, there are moments when digital methods fall short and the traditional check stands out as an efficient and effective means of transferring money. This article dives deep into the meticulous process of check writing, ensuring you’re not only equipped with the knowledge of how to write a check accurately but also with the best practices to safeguard your finances.


Starting with a step-by-step guide, we’ll walk you through each critical component of a check, from dating it correctly to ensuring that your signature is consistent with what your bank recognizes. This guide isn’t just about the technicalities; it emphasizes the significance of each step, alerting you to common pitfalls and the unintentional consequences of seemingly minor oversights.

The efficiency of checks as a money transfer method

Furthermore, in an age where financial fraud is, unfortunately, all too common, we provide crucial tips to secure your checks and reduce your risk of falling victim to check fraud. From the nuances of pen selection to the dangers of leaving checks blank, our comprehensive guide ensures that you’re not only writing checks but doing so with the best security practices in mind.

So, whether you’re a seasoned pro looking for a refresher or a novice wondering how to write a check for the first time, this article promises to be an invaluable resource, blending traditional knowledge with contemporary best practices. Dive in and rediscover the significance of the humble check in today’s dynamic financial landscape.

6 Steps to Write a Check

Although check writing is not as typical as in the past, there will be times when you are required to write a check. Checks are a cheap and effective way to transfer money. Filling out the check details when writing a check is easy.

Your best option is to complete your check from top to bottom to prevent missing anything or making a mistake. Begin by following the steps below to learn how to write a check:

1) Add Current Date:

Enter the check date in the upper right-hand corner of your check. You will most likely use the existing date to guarantee your records are accurate. Although your check can be postdated, this may lead to unintentional consequences or inconveniences.

2) Enter Payee Name: 

Find the line marked “Pay to the Order Of”, then fill out the name of the business or individual you are paying. Be sure to make this as accurate as possible. Ask your check recipient to be specific when you ask for the spelling of the complete and correct name.

3) Enter Amount in Numerals:

Utilize the numerical form of the check amount to complete your payment utilizing the little box or line marked on the right of the check. Enter your amount to the leftmost side of the box or line. If there is no “$” dollar symbol, add it to your amount. As an example, write $125.00 instead of leaving a space where an extra digit could be added. This will help prevent alteration and check fraud.

4) Enter Written Amount:

To prevent confusion and prospective fraud, always write the check amount in words legibly. This is formally just how much you are paying the recipient. If your written and numeric amounts do not match, the written amount will be used. Whenever possible, write the amount in all capitals as they are more difficult to alter.

5) Write Your Signature:

Your signature is placed on the bottom right of your check and should be legible. Make sure your signature matches the one your bank has on file. Your check may be rejected if you do not sign your check.

6) Enter Memo:

Your check has a memo box or line if you wish to include a note. This step is not needed and does not impact the way your check is processed by your bank. If you need a pointer as to the factor you wrote a check, this is a great option.

You can likewise use the memo box to consist of info used to process your payment. A good example is entering your social security number on a check to the IRS or paying a utility bill in case your check is lost.

Balance Your Checkbook

On a monthly basis, you will get a bank statement. You can take a look at your statement online or get it in the mail. Balancing your checkbook is just as crucial in discovering how to compose a check. Compare all of your credits and debits from your bank statement to your checkbook register. This will include any withdrawals, checks, and unlisted deposits.


If your checkbook balance matches your bank statement, you have successfully balanced your checkbook. If the amounts do not match, examine your transactions, then try to find any checks that have not cleared your bank and are not on your statement. Look for any fees or transactions you might have missed. Call the bank if you are convinced your bank has actually made an error.

You will get benefits from balancing your checkbook monthly such as checking your account balance and routinely tracking your spending. Even if the recipient has actually not yet cashed your check, the amount will be listed in your checkbook register. You can also eliminate any fees for returned checks or overdrafts when you are mindful of your balance. Monitoring your statement will alert you of potential check fraud.

After Writing Your Check

When you write a check, make certain you record your payment. The best location for this is your check register (in accounting software like QuickBooks, this is recorded in the Chart of Accounts).


You can use a paper or electronic register. Keep in mind, your money will remain in your account till your check is cashed or deposited and this requires time. Record your payment immediately so you do not forget. This enables you to:

  • Understand how you are spending your cash considering that your bank declaration just shows your check number without any description.
  • Prevent bounced checks by tracking your spending.
  • Identify both theft and scams in your account

When you order personal checks, you will usually get a check register with the checkbook. If you do not have one, you can easily make one with a spreadsheet or paper or demand one from your bank.


Make sure to include all of the essential details from your check on your register such as:

  • Date your check was composed
  • Check number
  • Transaction description or the name of the recipient
  • Amount of your payment

When you balance your checkbook, check every transaction listed on your statement twice to make sure your details match that of your bank when you balance your account. You will find any mistakes you have made and know any checks that have not cleared. This will prevent you from thinking you have more money than you really do. Looking at your register will quickly let you know precisely just how much cash is readily available.

As soon as your check has been written, assume the funds are gone. If your check is electronically transferred, your cash will be withdrawn from your account much faster.

Avoid a dedicated check printing software like MultiCHAX, and avoid costly mistakes, like printing checks on the wrong bank account.

Do’s and Don’ts: Tips for Reducing Your Risk for Check Fraud

When a check is composed, ensure the business or individual got the correct amount and your check was cashed or deposited correctly in a timely manner (usually within 30 days). If your check is stolen or lost, the amount can be altered by a thief. As soon as you hand over your check, there are numerous opportunities for it to become lost.

Make it as hard as possible for a thief to steal your money. Whether your money is compensated, taking care of fraud correctly needs both time and effort.


Use a Pen

Writing with a pen or fine-tip marker makes your check difficult to modify. Using a pencil makes it too easy for a thief to erase or alter the payee’s name and the amount.

Printing the Value

When you fill out the amount, make sure the value is printed in properly to stop thieves from altering the check amount. You can achieve this by writing your number in the location furthest to the left. After you have written the last digit, draw a line (example: “$25.00~~”)so absolutely nothing can be included. You can also write your numbers large enough to take up the whole area. Leaving any spaces allows a thief to add digits to increase the amount.

Consistent Signature

A lot of people sign credit card slips and checks using an unidentifiable image or signature. Since this will help your bank in the identification of fraud, you need to ensure your signature is always consistent. If your signature is not a match, showing you are not responsible for the charge is also much easier.

Carbon Copy Checks

Certain checkbooks will have sheets of carbon paper in between the actual check and a facsimile check. This type of checkbook comes allows the creation of a carbon copy of all of your checks. This enables you to determine how your money was spent and what was printed on every check.


Do Not Write Blank Checks

Ensure you have filled in the amount and the name of the business or individual before you sign and write a check. If you are not certain of the amount of your purchase or who to list as the payee, you should wait and confirm before writing the check. If you leave the amount or payee blank, you are running the risk of an unscrupulous person taking advantage and getting unrestricted access to your account.

Do Not Address Check to Cash

Do not print your check payee out to “CASH”. Writing out to “CASH” is as risky as carrying a huge load of cash or a signed blank check in your wallet. When you need cash, make an ATM withdrawal, utilize your debit card to get money back, or get cash straight from your bank tellers.

Do Not Forget to Verify Your Check

Banks usually find numerous mistakes on checks written by their consumers. Tellers are not permitted to correct an error after you write a check. You can help eliminate any hassle and make everything easier for your bank by thoroughly examining your checks before you give them to a person or business.

Do Not Lose Your Checks

Suffice to say, it’s a good practice to keep your checks and checkbook in a safe place. Enterprising criminals will take advantage of loose checks. If you suspect your checks are lost or stolen, report them to your bank so they can cancel all the remaining checks and freeze your account.

Avoid These Common Mistakes When You Write a Check

Written and Numeric Amounts are Different:

A good example of how to write a check for $1,000. Make sure both amounts match. You do not want to make the mistake of writing $1,000 for the payable written amount and then filling in $100 for the numeric amount. Banks are consistently returning checks because the amounts are different. Your bank has three alternatives, to return your check, contact you to authorize a change, or accept your check for the composed amount.

Sign Your Checks:

Even if you correctly complete your whole check, it will be returned instantly if you forget to include your signature.

Alterations and modifications:

Your printed check can be returned if your check looks like it has been customized or changed. This includes utilizing numerous styles of handwriting, inks in various colors, write-overs, and scratching something out. Even if you have actually just made a mistake, your check might appear suspicious. Cross out your error if there is a mistake you need to correct. You then need to write your initials on any modifications you have actually made. There is no guarantee your check will be legitimate if you attempt to distribute your check, so it is best practice to start with a new check. Do not use whiteout on your checks for any reason.

Incorrect or Missing Date:

Do not forget to date your check or unintentionally or post-date or deliberately stagnant your check. If post-dating your check is needed, make certain the payee understands. If your check does not have a date, is dated too far back, or has a future date, it is going to be returned.

Your Signature Does Not Match:

There is an issue if your signature is different than the one your bank has on file. Your check will be returned if the difference is noticeable. If your signature has actually changed for any reason, you are required to send your bank a new signature to eliminate any processing concerns.

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