Writing a check is a common occurrence in most people’s finances. It can be a little confusing if you have never done it before. For this reason, this article is constructed to help you to successfully fill out checks. There are a few basic parts on a check. In the following sections, they will be explained separately.
In the top third of the check, you will see an area labeled “date”. Most often, it will be on the right side of the check, but many checks are designed a little differently. When filling out this part, you need to write the month, day and year. You can do it numerically by using the month number corresponding to the month, the number of the day, and then finally the numeric year. This part is pretty straight forward.
Pay to the Order
This portion of the check is located in the center of the check. The words “pay to the order” are followed by a long blank line. In this area you will write the name of the person or company to whom you are writing the check. It is important to make it legible without errors or the recipient of the check might have a hard time getting their money.
Numeric Amount of Check (Box)
Directly to the right of the “pay to the order” line, is a small box. This box is the place where you put the numeric value of your check. For example, a twenty dollar check would have $20.00 written in this box. Again, it is extremely important to make this figure legible to ensure your recipient can get the funds you intended to give them.
Written Amount of Check (non-numeric)
Underneath the “pay to the order” line, there is another long line that has the word “dollars” after it. This is the area where you will write out the amount of the check, in both dollars and cents. For example if the check is 720.82, you would write the total amount out in words, which would be seven hundred twenty and 82/100. This must match the numeric value written in the small box and it must be clear to read.
The memo line is located on the left near the bottom of the check. This line is not required to fill out but it is good to fill it out as a reminder for the check writer. You could jot a note here to remind you of the reason for the check. Some examples include groceries, band fee or whatever helps you to remember why you wrote a specific check.
On the bottom right side of the check, you will find a line for your signature. You should be sure to sign it as you sign other documents. The bank sometimes checks your signature with one you gave to open up a checking account to ensure that you are not a victim of fraud.
A check is an important form of payment used by people worldwide. It is easy to use as long as you understand the basics of check writing.