💡 How-To
How to Write a Check in 4 Simple Steps
Checks are still required for rent, government payments, and many businesses. Writing one correctly prevents delays, bounced payments, and fraud. Here's exactly how to fill out a check " — step by step.
The 4 Steps to Writing a Check
Step 1: Date (Top Right)
- Write the current date in MM/DD/YYYY format
- Never post-date a check unless you have an agreement with the recipient
- A check is valid for 6 months from the date written
Step 2: Pay To The Order Of (Center Line)
- Write the full legal name of the person or company
- For individuals: "John A. Smith" (not just "John")
- For businesses: "ABC Plumbing LLC" (exactly as registered)
- Never leave this line blank " — a blank check is as good as cash to anyone
Step 3: Dollar Amount (Box and Line)
- Numeric box (right): Write $150.00
- Written line (center): Write "One hundred fifty dollars and 00/100"
- Both must match " — if they differ, the written amount controls
- Draw a line after the written amount to prevent additions
Step 4: Signature (Bottom Right)
- Sign exactly as your name appears on your bank account
- Use the same signature you used when opening the account
- A check without a signature is not valid
Writing Amounts Correctly
| Amount | Numeric | Written Line |
|---|---|---|
| $10 | $10.00 | Ten dollars and 00/100 |
| $150.50 | $150.50 | One hundred fifty and 50/100 |
| $1,200 | $1,200.00 | One thousand two hundred dollars and 00/100 |
| $3,456.78 | $3,456.78 | Three thousand four hundred fifty six and 78/100 |
Check Security Tips
- Use dark blue or black ink only " — never pencil
- Draw a line from the end of the written amount to the edge of the line " — prevents additions
- Never sign a blank check " — it becomes a blank check to anyone
- Keep your checkbook locked up " — stolen checks are a common fraud
- Write "VOID" on checks you don't use " — prevents misuse
Mobile deposit tip: Most banks now accept check photos via mobile app. When depositing by photo, write "For Mobile Deposit Only" and your account number on the back of the check before photographing it. This prevents the check from being deposited twice.
⚠️ Common check mistakes:
- Forgetting to fill in the numeric amount box
- Mismatched amounts (written vs. numeric)
- Not dating the check
- Using a nickname instead of legal name
- Forgetting to sign
The bottom line: Fill out checks in this order: Date → Pay To → Written amount → Numeric amount → Signature. Both amounts must match. Draw a line after the written amount. Use dark ink only. Never sign a blank check. For mobile deposits, write "For Mobile Deposit Only" on the back.