How To Write a Check
Verify that you need to write a cheque before you do. The slowest way to transfer money is by writing a cheque.
Other choices available to you might simplify your life and enable you to save money. You can even instruct your bank to send a cheque automatically once a month when you pay bills online.
For frequent payments, you do not need to write a cheque, purchase postage, or send the cheque in the mail. Purchase a debit card and use it to make purchases. The same account can be used for payment, but with a debit card it will be made electronically. You will have an electronic record of your transaction with the payee’s name, the payment date, and the amount. You won’t need to use up any cheque which you’ll need to re-order.
Set up automated payments for recurring bills like insurance premiums and utility bills. This makes your life simple and often comes at no cost. Just make sure you have enough money in your account at all times to pay the bill.
There is still a place for traditional paper checks in today’s fast-paced, digital world – even though credit cards and online payment applications have taken over as the preferred methods of payment. For this reason, it’s crucial to understand the proper check-writing procedure.
We’ll demonstrate how to write a check in this article. You will learn to correctly fill out a check after reading this step-by-step manual and some crucial safety advice you should remember. Cheque filling out is fairly simple. However, if you are writing a check for the first time, you could be confused about how to fill up the dollar box and how to put the amount in words.
Make sure you always have enough money in your bank account, regardless of how you decide to pay. If you don’t, your payments could “bounce” and result in complications, such as high fees and possible legal troubles.
Important Parts in a Check
Routing number for a bank: A routing number is a unique number assigned to each bank. This number has nine digits at all times. For instance, you’ll need to find this number if you decide to conduct online banking activities.
Invoice number: This is the number for your particular checking account.
Verify the number: Each paper check has a unique number that may be found above the account number and in the upper right corner of the check.
Steps to Write a Check
- Write the current date in the upper right-hand corner: Most of the time, you’ll use the current date to aid both you and the recipient in maintaining accurate records. The cheque can also be postdated, but that option isn’t always reliable. The date should be written in the upper right corner. The present-day or a future date are both acceptable choices. Note: The order of the dates should be month, day, and year. You could enter the date as “January 30, 2021” or “30/01/2021,” for example.
- Write the name of the person or business you are paying on the line that reads, “Pay to the order of.” Since this information must be exact, you might need to ask “Who do I make the cheque out to?” if you’re unsure of what to write. The line next to “pay to the order of” must be filled out in the second stage. Write the recipient’s or payee’s full name here. This could be a person’s first name followed by their last name or the name of an organization. The complete name must be spelt correctly.
- Amount expressed in numbers: In the little box on the right-hand side, enter the payment amount. Write as far to the left as you can when you first begin. To avoid fraud, the “8” should be placed exactly up against the left-hand border of the dollar box if your payment is for $10. Enter the entire amount of your cheque in the box next to the dollar sign. Fill out the exact amount in dollars and cents using only numbers. For instance, you would write “100.40” if you were paying $100.40. For more than 1,000, remember to use a comma and a period between the dollars and cents. For instance, “20,000”.
- Amount in words: Write the amount in words to prevent fraud and misunderstanding. This will serve as the precise sum of your payment. The amount you wrote in words will be considered the legal amount of your cheque if it differs from the amount you supplied in numeric form in the previous stage. Use just capital letters; they are more difficult to change. There is a blank line underneath “pay to the order of”; this is where you should insert the dollar amount. Any pennies should be expressed as a fraction of a hundred. Next, trace a horizontal line from the beginning to the conclusion. This stops sly people from increasing the amount you wrote.
- Signature: On the line in the bottom-right corner, legibly sign the check. Use the exact name and signature that are in your bank’s records. This step is crucial because a cheque won’t be accepted without a signature. Now, on the line in the bottom right corner of the cheque, write your name. The bank may withdraw these monies from your bank account with your signature on the check. A bank won’t let the recipient deposit the check without a signature.
- Please include a note if you’d like. Memo (or “For”) line. This optional step will not impact the processing of your cheque by the bank. You should include a note explaining your motivation for writing the cheque in the notes line. Additionally, you might want to include any details your payee’s will need to execute your payment here (or find your account if anything gets misplaced). For instance, when making payments to the IRS, you could enter your Social Security Number or an account number. The final step is filling out the memo field on the bottom left of the check. This optional step will not impact the validity of your check. Writing down a note to refer to later will typically be beneficial.
What to do After Writing a Check
Make a note of the payment once you write the cheque. This should be done there whether you utilize an electronic or paper cheque register. By documenting the payment, you can avoid using the funds twice because they won’t be available in your account until the cheque has been deposited or cashed, which could take some time. It’s preferable to record the payment while the information is still fresh in your mind.
- Keep track of all the cheques you write by keeping a cheque register.
- Keep track of your spending to prevent cheque bounces.
- Understand where your money goes. Your bank statement may merely display the cheque number and the amount, with no indication of the recipient of the cheque.
Checking account fraud and identity theft detection
When you acquire your chequebook, you must also have a cheque register. If you don’t have one, creating one using paper or a spreadsheet is simple.
Take a check and copy the following information:
- The cheque digit.
- The day you issued the cheque.
- A summary of the transaction or the person to whom you made the checkout.
- The amount of the payment.
See a graphic of the many components of a cheque for more information on where to look for this information.
You can balance your checking account using your register. Double-checking each transaction in your bank account to ensure that you and the bank understand what happened is known as this practice. If there are any errors in your account and if somebody has not deposited a cheque you wrote, you’ll be aware of it thereby making you believe you have more money to spend. You may also get a quick idea of how much money you have accessible by looking at your cheque register. When you write a cheque, you should presume that the money is gone; occasionally, this is because your cheque is converted to an electronic cheque, in which case the money is rapidly taken out of your account.
Extra Assistance in Filling a Check
When you write a cheque, be sure it is used for the purpose for which you intended it to be used and that the recipient receives the payment in the amount you intended.
Cheques that are lost or stolen can be altered by thieves. Make it harder for criminals to cause you difficulties by preventing cheques from disappearing after they leave your possession. Whether you permanently lose money or not, you’ll need to spend time and energy clearing up the damage left behind by fraud.
- Security Advice: Create the following practices to reduce the likelihood that fraud will affect your account.
- Make it irreversible: Every time you write a cheque, use a pen. If you write with a pencil, anyone with an eraser can alter the cheque amount and the payee’s name.
- No empty cheques: Never sign a cheque before the payee’s name and the amount have been entered. Bring a pen instead of providing someone access to your bank account if you are unsure of whom to make the cheque payable to or how much anything costs.
- Prevent cheques from expanding: Make careful to print the value of the dollar amount as you fill it in in a way that prohibits con artists from increasing it. Draw a line after the last digit by beginning at the very left edge of the area. If your check is for $8.15, for instance, place the “8” as far to the left as you can. Then, draw a line or write the numbers so large that it is difficult to add additional digits from the right side of the “5” to the end of the space. If you leave a blank, someone may add digits, making your cheque amount $98.15 or $8,159. Get chequebooks with carbon copies if you want a paper record of every cheque you write. Each cheque you write is recorded on a thin sheet that is included with those chequebooks. As a result, you can easily track down where your money went and what you wrote on each cheque precisely.
- Consistent signature: Many people have illegible signatures, and some even use amusing symbols to sign cheques and credit card slips. However, using the same signature repeatedly makes it easier for you and your bank to spot fraud. If a signature doesn’t match, it will be simpler for you to demonstrate that you are not accountable for charges.
Avoid making a cheque payable to “Cash” in any way. This is just as dangerous as bringing around a bundle of cash or a signed blank cheque. If you require cash, you can obtain it from a teller, use your debit card to purchase a stick of gum and receive cash back, or withdraw cash from an ATM.
- Reduce your cheque writing: Cheques aren’t particularly dangerous, but there are other, safer methods of payment. There is no paper to be misplaced or stolen when you make payments electronically. Using cheques does not avoid technology because most cheques are converted to electronic payments anyway. Because they already have a timestamp and the payee’s name in a searchable format, electronic payments are often simpler to track. For recurrent expenses, use methods like online bill payment, and for regular purchases, use a credit or debit card.
Depositing a Check
A check can be deposited in your bank account in several ways.
- Physical deposit: Visit a nearby bank location, sign your check, and hand it to a teller. After that, either inform the teller of your plans for the check or complete a deposit slip. A proper form of identification, such as a driver’s license, should be carried at all times.
- ATM deposit: Customers can deposit checks at numerous ATMs operated by banks and credit unions. Before depositing the check, make sure you endorse it. You might need to utilize an envelope for your deposit, depending on the ATM.
- Check deposit on the go: Mobile deposits have become a common technique for customers to contribute money to bank accounts as a result of the growth of mobile banking apps.
Usually, you will have to:
- Select a certain bank account to place the deposit in.
- Put the check’s amount here.
- Take a picture of the check’s front and upload it.
- Take a picture of the cheque back and post it online.
- Keep the check until you are certain that it has cleared and that money has been deposited into your account.
- After the check is credited to your account, it is a good idea to destroy it.
Check writing Service and Summary
Writing a check is not as hard as it looks at first glance – provided you can spell the numbers properly.
If you are still confused, you can use our check writing service where we will personally guide you on how to write a check.
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