Easy Steps to Write a Bank Check

Making a bank check isn’t a requirement in the financial and banking world anymore. Many people younger than 30 or 40 might not have bank checks at all.

Today, we live in a society where you can pay using either a debit card or credit card to pay for almost every single thing. And in certain situations, we can use a mobile phone to access an electronic payment terminal to gain access to your money before slamming it out the doors. Do you have to sit down each month with your checking account and write out paper checks to pay for bills? The past is gone, thanks to bill pay automation.

However, it’s not a bad idea to have a few in your possession, particularly when a new employer demands avoided or canceled bank checks to be used for direct deposit details.

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Here’s How to Write a bank Check

It is possible to avoid costly mistakes when you send a check to someone. It is a good idea to complete your check-in order from the top down to avoid forgetting the label.

Write The Date

Note the correct date on the date label in the upper right-hand corner of your check. Use the date of the current month, day, and year. Postdate a check by writing a future date with the intention that it will not be cashed before that date. However, your bank account must have enough money for the check as the bank can pay it in cash or deposit it at any time, provided the owner signs the check.

Write The Recipient’s Name On the Card.

The next line on your pay stub, “Pay to the order of,” will be where you should write your name and the address of the individual or business you wish to pay. Anyone can cash or put in the check made out for “cash.” it is also possible to write “cash” when you don’t know the individual or the organization’s full name. Take note, however, that this is a risk should the check get damaged or is stolen.

Make The Payment in Numbers.

There are two areas on a check to write the amount you’re paying. The first is to write down the dollar amount numerically (for instance, $130.45) within the tiny box to the right. Make sure to write this straightforwardly so that the ATM or bank can accurately subtract the amount from your account.

The Amount of the Payment Should Be Written in Words.

In the space below “Pay according to the amount from,” enter the amount of money in words that correspond to the dollar amount you have written inside the boxes. For instance, if you are paying $130.45 and are writing “one hundred and thirty-five percent 45/100.” If you check using cents, ensure that you place the cents above 100. If the amount of money is an equilateral triangle, you must include “and 100/00” to clarify. The writing of the dollar amount in words is essential to a bank’s ability to process a check to verify the payment amount.


Your signature should appear on the line at the lower-right edge of the check. The recipient cannot pay the check without signing it. Double-check that you’ve written your signature before handing over the check or sending it.

Memo (Optional)

In the lower-left corner is a section on which you may select to make a note of what the check is for, or even write down the account number of such a utility company that you’re paying the check. This can also be a way to indicate that the recipient must apply the check to the amount you owe, not to any other thing. For instance, if you want to use the check to pay for something at your child’s school, you can write your child’s name and their grade in the memo area.

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Routing Numbers, Account Numbers, And Check Numbers

The numbers that run across the top of the check symbolize the following:

Balancing Your Checkbook

When you write a check or cash out or deposit money into the checking account of your choice, it is possible to make use of the check register inside your checkbook. This area of your checkbook is designed to serve as a recorder for every financial transaction you make that includes ATM withdrawals and transactions online, debit card transactions, and the writing of checks. When you write it all down, you will see how much money flows into the account and how much is going out.

When you record your transactions by hand, using an electronic register or a paper register, you can protect yourself from paying for money that hasn’t been credited or taken from your account. It may take several hours for the transactions to be reflected online, and it’s easy to lose an event if you don’t note it down as soon as it happens.

Check Your Bank Statement Every Month

If you get your bank statement each month either in the mail or browse it online, ensure that you have a balance on your account. Begin by downloading this Balancing worksheet. Then follow the directions to enter the information from your checkbook register and bank account statement, as well as any unlisted deposits and outstanding checking/withdrawals. After completing this worksheet and the balanced checkbook and balance coincide, your checking account is balanced!

If there are some differences that you aren’t sure about, look over your calculations and determine whether there are outstanding checks that don’t appear on your statement until rechecked to ensure that you didn’t overlook the fee or transaction. If you think there’s an error in your statement, you should contact Huntington immediately.

The process of balancing your checking account can feel old-fashioned with the advent of mobile banking, online bank accounts, as well as budgeting technologies. Although your online Banking history lets you review your balance on your account and monitor your spending regularly, however, there are some advantages of balancing your checking account each month (or even every week).

In the example above, if you’ve sent someone a check, but they haven’t yet cashed it, the amount won’t appear in your online account history, but it will be in your checkbook. Knowing the precise details of any payments that you’ve made can aid in avoiding overdrafts and charges for return. Also, keeping a backup list of transactions may assist you in identifying possible cases of fraud.

Final Words

Checks might not be the most common method of payment in the present; however, there are occasions when you might require them as a way to cover services or make purchases or transfer funds. It is essential to inquire with your bank about obtaining an account with a checkbook if you don’t have one in your account or can request checks via your bank’s online dashboard. Suppose you need assistance writing a check to an individual financial advisor or banker to get help. It is also possible to request cashier’s checks, which are issued by a bank specifically designed for the recipient.

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