How To Write Numbers On Checks: A Comprehensive Guide

Writing a check might seem like a relic of the past in today’s digital age, but it remains a necessary skill for many. From paying rent to sending gifts, checks provide a tangible record of financial transactions. Mastering the art of filling out a check correctly is crucial to avoid errors, delays, and potential fraud. This guide provides a comprehensive, step-by-step approach to writing numbers on checks, ensuring accuracy and security.

Understanding the Anatomy of a Check

Before diving into the specifics, let’s familiarize ourselves with the different sections of a standard check. Knowing what each part represents will make the process much smoother. A typical check includes the following:

• The Check Number: Usually located in the top right corner. This is for your reference and helps you track your transactions.
• Date: Where you write the date you’re issuing the check.
• Payee: The “Pay to the Order of” line. This is where you write the name of the person or business you are paying.
• Amount in Numbers: A small box where you write the numerical amount of the payment.
• Amount in Words: The line below “Pay to the Order of” where you write the payment amount in words.
• Memo/For: An optional line for including a reference or description of the payment.
• Signature Line: Where you sign the check to authorize the payment.
• Bank Information: Includes the bank’s name, address, and the routing and account numbers, which are printed at the bottom.

Step-by-Step Guide: Writing the Numerical Amount

This section focuses on the critical step of writing the amount in numbers. Accuracy here is paramount.

Step 1: Locate the Dollar Sign

Find the small box on the check labeled with a dollar sign ($). This is where you will write the numerical amount of the check.

Step 2: Write the Dollar Amount

Write the dollar amount to the left of the decimal point. For example, if the check is for $150, write “150” in the box. Always write the dollar amount clearly and legibly to avoid any confusion.

Step 3: Include the Decimal and Cent Amount

Use a decimal point to separate the dollar amount from the cent amount. If the payment includes cents, write the cents to the right of the decimal point. For instance, if the check is for $150.25, write “150.25” in the box.

Step 4: Ensure Accuracy and Legibility

Double-check your numbers before moving on. A small mistake can lead to significant problems. Make sure your numbers are clear and easy to read. Avoid any ambiguity that could allow someone to alter the amount.

Detailing the Amount in Words: Preventing Fraud and Errors

While the numerical amount is crucial, writing the amount in words is equally important. This is the primary method used to prevent fraud.

Step 1: Begin at the Beginning

Start at the far left of the line provided for the written amount. Do not leave any space before writing the amount. This helps to prevent someone from adding extra words and increasing the check’s value.

Step 2: Write the Dollar Amount

Write the dollar amount in words. For example, if the check is for $150, write “One Hundred Fifty.”

Step 3: Include “and” and the Cent Amount

Following the dollar amount, write “and” before the cent amount. This clearly indicates that the cent amount is part of the total payment. If there are no cents, write “and zero/00.”

Step 4: Spell Out the Cent Amount as Fractions

Write the cent amount as a fraction of a dollar. For example, if the amount is $150.25, write “Twenty-five/100.” The “100” represents the number of cents in a dollar.

Step 5: Complete the Line by Drawing a Line

After writing the amount in words and the fraction, draw a straight line to fill the remaining space on the line. This crucial step prevents anyone from adding additional words to fraudulently increase the payment amount.

Common Mistakes to Avoid When Writing Amounts

Several common errors can lead to check rejection or, worse, financial loss. Avoiding these pitfalls is essential.

Mistake 1: Illegible Numbers

Always write your numbers clearly and legibly. Blurry or unclear numbers can cause confusion and lead to errors in processing.

Mistake 2: Incorrect Decimal Placement

Misplacing the decimal point can drastically alter the payment amount. Double-check the placement of the decimal before writing any figures.

Mistake 3: Leaving Space Before the Written Amount

Leaving space before writing the amount in words allows for fraudulent additions. Always start writing the amount at the far left of the line.

Mistake 4: Skipping the Line after Writing the Amount

Failing to draw a line at the end of the written amount leaves room for manipulation. Complete the line by drawing a straight line after writing the amount.

Advanced Tips for Check Writing Security

Beyond the basic steps, consider these advanced tips to enhance the security of your checks.

Tip 1: Use a Secure Pen

Use a pen with permanent ink that is difficult to alter or erase. Gel pens are often a good choice.

Tip 2: Keep Checks Secure

Store your checkbook in a secure location and be mindful of where you use your checks.

Tip 3: Review Your Bank Statements Regularly

Monitor your bank statements for any unauthorized transactions or discrepancies. Report any suspicious activity immediately.

Troubleshooting Common Check-Writing Issues

Even with careful attention, problems can arise. Here’s how to address some common issues:

Issue 1: Errors in the Numerical Amount

If you make a mistake writing the numerical amount, it’s best to void the check and start again. Do not attempt to correct it.

Issue 2: Errors in the Written Amount

Similar to the numerical amount, if you make an error in the written amount, void the check and begin again. Accuracy in the written amount is crucial, so it’s better to start over.

Issue 3: Check is Rejected by the Bank

If a check is rejected, it’s likely due to a discrepancy between the numerical and written amounts. Contact the bank or the recipient to resolve the issue.

FAQs

What if I make a mistake when writing the amount on the check?

If you make a mistake, it is best to void the check and start again. Write “VOID” clearly across the check to prevent it from being used.

How important is it to write the amount in words, and why?

Writing the amount in words is critically important because it is the legal amount of the check. If there is a discrepancy between the numerical and written amounts, the written amount is usually the one that prevails. This safeguards against fraudulent alterations.

Can I use a pencil to write a check?

It is not recommended to use a pencil to write a check. Pencils can be easily erased, which makes the check vulnerable to alteration. Always use a pen with permanent ink.

What happens if the numerical and written amounts don’t match?

If the numerical and written amounts on a check do not match, the bank will typically honor the written amount. This is why it is crucial to be accurate in both areas.

Is it safe to write checks to online businesses?

While writing checks to online businesses is possible, it may not be the most secure method. Ensure the business is reputable and consider using a more secure payment method, such as a credit card, if possible.

Conclusion

Writing numbers on checks accurately is a fundamental skill for managing personal finances. This guide has provided a detailed, step-by-step approach to writing both the numerical and written amounts on a check, along with essential tips for security and troubleshooting common issues. By following these guidelines and understanding the importance of each step, you can confidently and securely write checks, ensuring your financial transactions are processed smoothly and without complication.