How to fill a Check

Filling out a check for the first time or for the first time in a while? You might have questions, such as where to sign a check and how to write a check with cents.

While you might not write many checks, it’s still an important skill to have. Let us answer your questions with a quick how-to.

Steps on how to fill out a check

Below are the steps you will need to take to properly fill out a check:

  1. Write the date in the top right corner.
  2. Add the name of the recipient next to “Pay to.”
  3. Write the value to be paid in numbers next to the “$” symbol.
  4. Write out with words (spell it out) the amount of the payment on the long line.
  5. Sign with your signature in the bottom right where it says “Per.”
  6. Optional: Add a note where it says “memo” or “re:” in the bottom left corner.
A blank check design with open spacing for you to place your own words

Online banking makes tracking expenses and checking bank accounts exponentially easier than carrying around a checkbook.

So much so that writing a check isn’t even a passing thought for some people as they’re paying a bill or buying something at the store.

In fact, one -fifth of millennials have never even written a check, according to First Data.

But despite popular belief, checks aren’t dying. “Our customers wrote almost a billion checks [in 2016].

Checks will be around for a while,” Michelle Moore, Bank of America’s head of digital banking,told Bloomberg.

Writing and depositing checks is still an important part of daily life, whether your old-school landlord prefers rent paid that way, or your grandma sends you one for every birthday.

When writing a check, each section has to be accurately filled out or the check won’t be cashed. Here’s a step-by-step guide on how to write a check.

 Simple Steps to Fill Out a Check

In a world of electronic payments and debit cards, writing a check may seem like an ancient practice to a lot of people.

However, there may be times when writing a check is necessary. Filling out a check is as easy as six simple steps.

Step 1: Date

The date you write here should be the same date that you’re signing off on the check. You can post-date it in advance for when you’d like the payee to draw funds, but the payee isn’t obligated to honor it.

It’s best to make sure you have enough money in your checking account on the date you write the check.

Step 2: Payee

Write the name of the payee on this line. It can be the name of a person or a company.

Step 3: Check Amount in Numbers

Fill in the amount you want drawn out of your checking account in dollars and cents. For example, “12.52.” You don’t need to include the dollar sign since it’s already printed on your check.

Step 4: Check Amount in Words

Write out the same amount you wrote in the box above (#3), only this time in words. For example, write, “twelve dollars and 52/100.” If the dollar amount doesn’t have any cents, write 00/100.

Step 5: Memo

The memo line is the only optional area to fill out on a check. You may leave it blank, however, it’s a great way for you to keep track of what the check is for or to write in an account number.

For example, you can write in something like, “groceries.”

Step 6: Signature

This is where you sign your check. Signing your check gives authorization to the payee to draw the specified amount from your checking account.

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