How to Write a Check - Step by Step Guide

Master the art of check writing with our interactive tool and comprehensive guide for beginners.

Privacy & Security Protection

Your privacy and financial security are our top priorities. This tool operates entirely in your browser - no personal information is transmitted, stored, or shared with any external servers. All check data you enter remains completely private and is never saved or logged. Practice writing checks safely with complete confidence in your data protection.

Fill Out Your Check Information

💡 Always use today's date or the date you want the check to be processed.

💡 Write the full name of the person or business you're paying.

$

💡 Include cents (e.g., 25.50 for $25.50).

💡 This will be automatically filled based on the amount above.

💡 Note what the payment is for (optional but recommended).

💡 Sign exactly as your name appears on the bank account.

Your Check Preview

SPECIMEN
1001
Date: __________
Pay to the Order of: _________________________________ $ _______
_________________________________________________ DOLLARS
Memo: _______________
____________________
Routing Number: ⑃021000021⑃
Check #: 1001

Step-by-Step Instructions

Step 1: Write the Date

Write the current date in the upper right corner. This tells the bank when you wrote the check.

Step 2: Write the Payee Name

On the "Pay to the Order of" line, write the name of the person or business you're paying.

Step 3: Write the Amount in Numbers

In the box with the dollar sign, write the exact amount in numbers, including cents.

Step 4: Write the Amount in Words

On the line below the payee, write out the dollar amount in words. Write cents as a fraction over 100.

Step 5: Add a Memo (Optional)

In the memo line, note what the payment is for. This helps with record-keeping.

Step 6: Sign the Check

Sign your name on the signature line exactly as it appears on your bank account.

Important Tips and Best Practices

✅ Do's

  • • Use blue or black ink
  • • Write clearly and legibly
  • • Fill out all required fields
  • • Keep a record of your checks
  • • Verify your account balance

❌ Don'ts

  • • Don't use pencil
  • • Don't leave blank spaces
  • • Don't sign blank checks
  • • Don't write checks without funds
  • • Don't forget to record the transaction

💡 Pro Tips

  • • Draw lines after amounts to prevent alterations
  • • Store checks securely
  • • Notify bank if checks are lost or stolen
  • • Consider mobile deposit options
  • • Keep checks in numerical order

Frequently Asked Questions

Can I write a check without the exact amount in words?

No, the amount in words is legally required and serves as a backup to the numerical amount. It's what the bank will process if there's a discrepancy.

What happens if I make a mistake on my check?

It's best to void the check and write a new one. Small corrections can be initialed, but major changes should result in a new check to avoid rejection.

How long is a check valid?

Personal checks are typically valid for 6 months from the date written. After that, banks may refuse to cash them.

Can I postdate a check?

Yes, you can write a future date on a check, but there's no guarantee the bank won't process it early if someone tries to deposit it.