Writing a check

Writing a check is an easy way to pay for goods or services. It is important that when you write out your check, you write legibly. This is important because you want the business you are writing your check to, and the bank cashing your check and debiting your account to be able to read not only to whom the check is payable but also the amount they are to receive.

Step One: ALWAYS use ink, preferably black or blue ink and try to refrain from using red ink. Also make sure the ink is not erasable ink.

Step Two: Fill in the date on the date line on the upper right hand side.

Step Three: Fill in the name of the business or person you wish to pay the check to. Make sure you start at the far left side of the line so no other information can be added in front of your payee. Also, it is a good idea to draw a line after the name of your payee so no information can be added behind it.

Step Four: Write in the amount to be paid in dollars in the box or line on the right. It should look something like this: $32.16 or $32 16/100. Using the second method will also help deter someone from adding any numbers to the cents portion, allowing them to increase your dollar amount.

Step Five: On the line under the Payee, write in long-hand the dollar amount to be paid.  This dollar amount must match the numerical dollar amount you have already written in step four. Example: Thirty-two and 16/100-----------------------------------  Be sure to draw a line out from the end of your dollar amount to the end of the line.  This will also deter someone from changing your dollar amount.

Step Six: If you want to write a note to yourself about the reason for the payment, you can do this on the bottom left hand side on the line that states Memo or Note.  This is just something for your personal use and is not necessary for anyone else.

Step Seven: Sign your name in your normal signature on the bottom right-hand side.  This seals the deal!

Step Eight: This step is often overlooked but is as important as the first seven steps!  You must notate this check number, the payee and the dollar amount in your check register so you are able to keep up with your bank balance.

Writing checks is not difficult.  But it is important to take the additional steps to ensure your checks will not be tampered with or altered.

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