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Writing a check is simple. It doesn’t require any financial knowledge or skill. However, it required certain steps to write a check correctly.
This blog post will explain the steps to write a check in the best way to make it simple for everybody.
We will take you through each stage individually; You can conclude the check written in any way you request as you like as long as you didn’t leave anything out or miss any crucial information.
In this blog post, you’ll move from the highest point of a check to the base, which ought to assist you with trying not to miss any information.
Here are the step-by-step explanation required for writing a check (without cents).
1. Write the Date
Write the payment date on the line in the upper right-hand corner. This date could be the current date you are writing the check or the date you want the check to be paid.
You can use different formats for the date, either in a figure like 03/08/2022 or in a combination of words and figures like August 3, 2022.
2. Fill in the Payee Name
The very important next step is to fill in the individual’s name to get the payment. The name can be an individual, a business (enterprise), a trust, a school, or any corporate entity with bank account details to receive such a deposit of the fund.
Ensure you spell the name accurately, word for word, although many banks will give some hints on spelling and abbreviation.
3. Write the Figure Amount for the Check
There are two spaces in the check meant for you to write the sum you’re paying. In the first place, write the numeric dollar sum in the little box on the right of the line for the beneficiary’s name.
For example, you can write $150 if you wish to write.
Ensure you write this plainly so the bank can deduct the right sum from your record.
4. Write the Check Amount in Word
After the last step, the next is to write out the check amount in words to match the numerical sum you previously wrote on the line beneath “pay to the order for.”
If you have a penny in the amount, you should put the penny sum over the 100.
For instance, assuming you composed $150 in the box, you’ll write “one hundred fifty and 00/100.”
When you write the dollar sum in words, you check the total sum of the check.
5. Add a Note of the Payment
The section for notice of the check is discretionary. Notwithstanding, it’s a smart move to fill it up to help you remember why you write the check for the payment.
For instance, if you are writing a check to pay your “Monthy Electricity Payment,” you can make a note as “Electricity Bill.”
Write your record number in the note section if the check is for a specific bill.
An organization might request that you write your account number details or receipt number in this segment.
This assists them with applying the installment to your record.
6. Sign the Check
The final step to complete the writing of a check is to append your signature on the line at the base right-hand corner of your check.
Make sure your signature is bold and clear, and ensure you use the very signature on record at your bank.
Signing your check is your approval to the bank that you consent to pay the written amount to the payee you noted.
How to Write a Check with Cents
Exam: 150 Dollars with 35 Cents ($150.35).
- Write “$150.35” in the dollar symbol box.
- Write “One hundred fifty and 35/100” dollar word line.
After taking those steps to write a check, it is advisable to record them for reference.
Recording the payment will help you keep away from spending the cash two times.
A check register is an ideal tool to do this, and it’s useful whether electronic or paper register.
The check register will show an amount accessible to you in your account until after the check is deposited into the bank account or cashed, which could take some time.
Before you write a check, ensure that you are in the right frame of mind and something you want to do.
Writing a check is sometimes time-consuming, and it’s not the quickest method for moving cash.
Note that You have many different choices to make your life easier and your payment simpler.
Most of the mistakes or challenges people encounter in writing checks are incomplete information. If you don’t want your check to be rejected or returned, please follow the above steps when you want to write a check.
Frequently Asked Questions (FAQs)
When should I sign the check?
It’s advisable to sign your check only when you have finished writing all the details. The details like the name of the payee and amount. The date and the details(memo) of the payment.
Can I write a check for my spouse?
Yes. As you can write a Check for anybody, you can also write for your spouse.
However, You need to write all the necessary detail in the check, especially in the “pay to the order” to instruct the bank to pay your spouse.
Can I write a check for myself?
It is entirely possible and lawful to write a check to yourself from one of your accounts and deposit it into another. Complete the check as you ordinarily would for another person, naming yourself the payee. You can then cash the check or deposit it into any of your other bank accounts.
Can I make payment without a check?
Yes, If you want to pay somebody and don’t desire to use cash or write an individual check, you can use a money order, wire transfer, or bank cashier’s check in place of your check.
Can I write my wife’s check?
You can write a check on your wife’s account only if you are a joint signatory to the account. But if you are not a signatory to the account, you might not be able to write a check and get the cash successfully for your wife’s account.