Writing a check may seem like an old-fashioned skill in our digital age, but it’s still an essential part of personal finance. Whether you’re paying rent, splitting the utility bill, or making a charitable donation, knowing how to properly fill out a check is a valuable life skill.
As someone who’s been there, I understand the initial confusion around check writing. But don’t worry, with a little practice, it’ll become second nature.
In this guide, I’ll walk you through the process step-by-step, sharing my top tips to ensure your checks are filled out accurately and securely.
Gather Your Essentials
Before you start writing, make sure you have everything you need:
- Your checkbook
- A pen (preferably blue or black ink)
- The payment details (payee name, amount, etc.)
Step 1: Date the Check
In the top right corner, write out the current date in the format MM/DD/YYYY. This is important, as it tells the bank when the check was issued.
Step 2: Fill in the Payee
On the line that says “Pay to the order of,” neatly write out the full name of the person or company you’re paying. Make sure to spell everything correctly.
Step 3: Write the Dollar Amount
In the small box on the right, write out the dollar amount in numbers, making sure to position it as close to the left side as possible to prevent any alterations.
Step 4: Spell Out the Dollar Amount
On the line that says “Dollars,” write out the dollar amount in words. This helps prevent any discrepancies between the numerical and written amounts.
Step 5: Add the Memo (Optional)
The memo line at the bottom left is a great place to jot down what the check is for, like “Rent” or “Donation.” This helps you keep track of your payments.
Step 6: Sign Your Name
Finally, sign your name at the bottom right of the check. This legally authorizes the payment.
Bonus Tips:
- Use a pen, not a pencil, to make your check more tamper-resistant.
- Keep your checkbook in a safe place, just like you would your wallet.
- Record each check you write in your register to stay on top of your finances.
- Avoid making any changes or corrections – if you make a mistake, it’s best to void the check and start over.
Writing checks may feel a bit old-school, but it’s a skill that will serve you well throughout your life. With this step-by-step guide, you’ll be filling them out like a pro in no time.
