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How to Write a Check With Cents: 10 Steps with Pictures

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). Visit your local bank branch, endorse your check and present it to a bank teller. Then, either let the teller know what you would like to do with the check or fill out a deposit slip.

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. While this seems easy enough, there are several ways you can endorse a check, depending on what you’re doing with it. Once you’ve filled out your check, you’d mail it and other required documents to the address provided by ABC Electric. The meanings are same; however, the describing word is different. In the first sentence, check out is a verb i.e. the action in the sentence is ‘checking out’. However, the second sentence has modal verb ‘is’, and there is no other verb.

To the right of “Pay to,” you’ll note the check’s value in numerals (e.g., 375.00) in a box after a printed dollar sign. Then, on the line below with the word “Dollars” at the end, you’ll spell out that amount (“Three hundred seventy-five dollars and 00/100”). It’s a good idea to make a dash striking through any unused space on this line to prevent someone from writing in any additional amounts after you’ve handed off the check. You can order personal checks online through your financial institution.

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. Writing a check is a free and easy way to transfer money from one bank account to another. Of course, you’ll want to make sure you have enough in your bank account to cover the amount of the check. But you’ll also want to consider when it makes sense to write a check instead of using an easier, faster alternative like a debit card or a peer-to-peer payment network. Once you’ve filled out your check, you’ll also want to record the information in your checkbook register.

  1. Refer to the image below which corresponds to each of the five steps.
  2. To avoid these issues, you might want to consider using other ways to move your money, like ACH transfers or money transfer apps.
  3. This shows the bank that you agree that you are paying the stated amount and to the correct payee.

Should banks become aware of your signature and notice material deviations from one signature to the next, they may question whether you actually wrote the check. Though this is may be an incredible risk mitigation measure, it could also prevent a seamless course of business should banks consistently be holding your checks from being deposited. Sign your name on the line at the bottom right corner of the check. Your signature is mandatory—the recipient will not be able to cash the check without it.

Step 3: Write the Dollar Amount in Numerical Form

If you forgot to fill out one of these sections during the month, checkbooks usually include carbon copies. Carbon copies are papers behind your check that leave behind a copy of what is written on it. Finally, sign the check using the line in the bottom right-hand corner. Some people may write a future date on their check, though this is generally not recommended. This is called “postdating” a check, and it can encourage the recipient to hold off depositing the check until a certain date. On the top right corner of the check, you’ll write the current date, being sure to include a month, day, and year.

Be sure to write this clearly so the ATM and/or bank can accurately subtract this amount from your account. Business checks are not really all that different from personal checks. The only difference is that the account providing the funds will be a business account instead of a personal one. The advantages of writing a check outweigh the disadvantages. Once you’re done writing a check, you’ll want to get in the habit of keeping good records by recording the check. This will help you see how much money is in your account so you can budget for future expenses.

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. No matter how you choose to pay, make sure you always have sufficient funds available in your checking account.

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. 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. For example, you may write $100.30 if you wish to write a check for one hundred dollars and thirty cents.

Step 2: Enter the Recipient’s Name

Make sure to use their properly spelled legal name (not a nickname), or the recipient may have trouble cashing or depositing the check. You can also put a business name on the payee line if you’re buying from a company or service provider. In addition, knowing how to write, endorse, and deposit a check is an integral part of early financial education. A check register is an ideal place to do this, whether you use an electronic or paper register. It’s best to make a note of the payment while it’s fresh in your mind. Many banks and credit unions allow you to order checks online.

Writing A Check: A Step-by-Step Guide to Writing Checks

Our editorial team does not receive direct compensation from our advertisers. 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. 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.

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And any delays could result in past due fees for certain bills. Knowing how to write a check is pretty easy once you get the hang of it. First, take a look at this graphic that shows the way that all the necessary fields of a check should be filled out. Portions of this article were drafted using an in-house natural language generation platform. The article was reviewed, fact-checked and edited by our editorial staff. “Expert verified” means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity.

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. “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. When you cash a check made out to you, it needs to be endorsed, which means you sign the back of the check on the appropriate line and add the date. Most banks provide a few blank lines and a mark to indicate where to sign the check.

Tips for Writing a Check

Checks are generally a secure way to pay for things, but they might not be your best option for every situation. Before we get into the details of learning how to fill out a check, let’s start with the basics. –Freelance writer Anna Baluch contributed to a previous version of this article. We’re transparent about how we are able write out a check to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Develop the habits below to decrease the chances of fraud hitting your account.