How to Write a Check

An interactive guide to writing checks correctly

Interactive check diagram showing the 6 parts of a checkDetailed diagram of a personal check with numbered indicators for date, payee name, amount in numbers, amount in words, memo line, and signatureYOUR BANK NAME123 Bank StreetCity, State 123451234DATE03/13/2025PAY TO THEORDER OFJane Doe$100.25DOLLARSOne hundred and 25/100FORParty suppliesMary Johnson⑆123456789⑆987654321⑈1234Check step indicators overlayNumbered indicators showing the sequence for filling out each part of the check①②③④⑤⑥

①How to Write the Correct Date on a Check

Write today's date in MM/DD/YYYY format in the upper right corner. Never post-date a check unless specifically agreed upon.

②Filling Out the Payee Line: Who to Make Your Check Out To

Write the full name of the person or business you're paying on the "Pay to the Order of" line. Avoid abbreviations and write clearly.

③Writing Dollar Amounts in Numbers: Completing the Check's Dollar Box

Look for the box on the right side of the check, near the date. Write the amount using numbers, and always include cents even for whole dollar amounts. For example, write $25 as $25.00, or $847 as $847.00. For amounts with cents like $1,456.78, write it exactly as shown.

④Converting Check Amounts to Words: The Legal Payment Line

Write out the dollar amount in words on this line, followed by the word "and" then the cents amount over 100. Start at the far left of the line and draw a line after the amount to prevent alterations.

One hundred and 25/100

⑤Using the Check Memo Line: Track Your Payment Purpose

Write a note in the memo line to remind yourself of the payment's purpose. This is optional but helpful for record-keeping.

⑥Properly Signing a Check: The Required Signature Line

Sign your name on the signature line at the bottom right. Use the same signature that's on file with your bank.

Essential Check Writing Safety Tips & Best Practices

  • Draw a line after written amountsFill any empty space on amount lines to prevent alterations
  • Write clearly and avoid erasuresBanks may reject checks with excessive corrections
  • Record every check immediatelyUpdate your check register with check number, date, payee, and amount
  • Never sign blank checksThis creates serious security risks if checks are lost or stolen
  • Verify sufficient fundsAvoid overdraft fees and bounced check penalties
  • Use security featuresConsider checks with watermarks, microprinting, or chemical protection
  • Store checks securelyKeep checkbooks in a locked drawer or safe
  • Monitor your account regularlyCheck for unauthorized transactions or check fraud
  • Write the purpose in the memo lineThis creates proof of payment reason for your records

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