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How to Write a Check - Cheque Writing 101

Updated on March 25, 2011

What is a Check?

Checks are used to pay bills or to buy goods or services. According to Wikipedia, a check is a "negotiable instrument instructing a financial institution to pay a specific amount of a specific currency from a specified demand account held in the maker/depositor's name with that institution."

Many people today prefer to pay their bills electronically through the Internet. However, there are still many people who prefer to use paper checks. Paper checks are not going to disappear soon so it is important that you know how to write a check.

How to Write a Check

  1. Write your name on the top left hand side of the check. You can get this pre-printed on the checks you order from your bank.
  2. Write the proper date in the space provided on the right hand side of the check.
  3. Fill in the "pay to the order of" area with the name of the person or company to whom you are sending the check.
  4. Fill in the dollar amount you wish to make the check out for in the box on the right side of the check (it usually has a $ sign at the beginning and contains a decimal point.) Make sure the numbers are close together and right up against the decimal point so they can't be manipulated.
  5. Write out the dollar amount (ie. one hundred dollars) and write any cents in as a fraction of 100 (please see the above illustration.) Make sure you draw a line from where you stop writing to the cents area so that it can't be manipulated.
  6. Fill in the memo field in the bottom left of the check with either an account number for the bill you are paying or information on what the check was for.
  7. Sign your name in the provided field on the bottom right of the check. Make sure you use a similar signature to the one your bank has on record.


It's That Simple

And there you have it, how to write a check. If you make a mistake on any of the fields in the check you can fix it, but initial it so that the bank knows you are aware that a change was made on the check.

Video Instruction on How to Write a Check

Comments

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  • Sunshine625 profile image

    Linda Bilyeu 4 years ago from Orlando, FL

    Very interesting! I learned how to write a check in junior high, but I guess some schools have never taught it. Great hub!!

  • Docmo profile image

    Mohan Kumar 4 years ago from UK

    My good friend MArtie always has a dictum for hubs K.I.S.S: keep it short and simple. This hub is an elegant example of that. Useful, informative and tells it as it is . I do miss writing cheques as these days we seem to be doing a lot more online transactions and cards- there's something elegant about writing a cheque. thanks for the info!

  • profile image

    Nitin Ward 4 years ago

    if I have my electronic signature on my cheque leaf. do i still need to sign.

    i have to sign 124 cheques. but all my signatures ultimately is different on maximum leaf.

    any suggestion.

    Regards

  • profile image

    ashraf 5 years ago

    how write chequ ask combany name

  • profile image

    Seneha 5 years ago

    How do I write chq of 1,200

  • profile image

    rein 5 years ago

    hye, how do i write down the amount of 226,601.00 ?

  • profile image

    sathish 5 years ago

    How to write indian Rupee cheque

  • profile image

    rishan 5 years ago

    your demo is helpful

  • profile image

    shahnawaz 6 years ago

    Thanx n keep it up..

  • Uninvited Writer profile image
    Author

    Susan Keeping 6 years ago from Kitchener, Ontario

    Actually no, I spelled it both ways :)

  • profile image

    Lainey 6 years ago

    Thank you for the help :) I just got cheques a few weeks ago and this is my first time writing one out.

    Oh and a Hint** you spelled cheques wrong.

  • umairsheikh2002 profile image

    umairsheikh2002 6 years ago from Karachi, Pakistan

    Everyone need check because we cannot give our personal debit card.

  • profile image

    LornaP 6 years ago

    Good info-easy to understand-my daughter was using this for a homework assignment. It's worth mentioning a few safety tips-like never leaving the payee line blank after signing it and waiting to sign a check made out to cash when you are at the bank. (found here: http://www.sophisticatededge.com/how-to-write-a-ch...

  • Research Analyst profile image

    Research Analyst 6 years ago

    do people still write checks? LOL the debit card is so much faster

  • Uninvited Writer profile image
    Author

    Susan Keeping 7 years ago from Kitchener, Ontario

    Thanks Keith :)

  • KeithTax profile image

    Keith Schroeder 7 years ago from Wisconsin

    This blows my mind. The number of people that can't write a check or reconcile their checkbook is amazing. I see it in my accounting office all the time. This is not solely an issue with poor or uneducated people; I see several people a year that are intelligent, educated, and highly paid that can not write a check. Serveral times a week a client hands us a signed check and tells us to fill it in because they don't know how.

    I am going to link this to my website and direct client to review this important and informative article.

  • Uninvited Writer profile image
    Author

    Susan Keeping 7 years ago from Kitchener, Ontario

    You would write Three thousand...

  • profile image

    carol 7 years ago

    how do i write a cheque that reads 3000.00$ in wordss?

  • Uninvited Writer profile image
    Author

    Susan Keeping 7 years ago from Kitchener, Ontario

    I learned how to do it in grade 9 book keeping :)

    Thanks for commenting.

  • SweetiePie profile image

    SweetiePie 7 years ago from Southern California, USA

    This would be a good hub for teachers in elementary school, especially for teaching money knowledge. I remember how in fourth grade we were given imaginary dollars and had to balance our check book, which was a very helpful assignment.

  • cashmere profile image

    cashmere 7 years ago from India

    We don't have a memo field in cheques in India. And your name is already printed on it.

  • BristolBoy profile image

    BristolBoy 7 years ago from Bristol

    I might just do that Uninvited Writer!

  • Ralph Deeds profile image

    Ralph Deeds 7 years ago from Birmingham, Michigan

    I was taught to write out the complete amount on the second line as

    follows: "One hundred fifty-five & sixty-seven/100 dollars." Of course the purpose of writing out all the numbers is to provide a written out version of the numbers in case they are not written clearly or in error.

  • Uninvited Writer profile image
    Author

    Susan Keeping 7 years ago from Kitchener, Ontario

    Thanks for the comments. Why don't you guys answer the request about how to write checks in other countries?

  • profile image

    Iphigenia 7 years ago

    Cheques vary from country to country - here in France we must also write the location in which the cheque is written - there is even a space on the cheque where this information must be written and the cheque is invalid if it's not completed. All cheques written in shops etc must be presented with a photo ID - the number of which is written on the back of the cheque by the vendor/service provider.

  • BristolBoy profile image

    BristolBoy 7 years ago from Bristol

    I was thinking of writing a hub explaining how to write a check myself, mainly due to my own problems with doing it, but you beat me to it. However, it is interesting to note that US checks are slightly different to those in the UK by the looks of things!

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