How to Write a Check

For many young adults, writing a check might seem like a relic of the past in our digital-first world, but there are still moments when it becomes a stepping stone to achieving your dreams. Whether it’s securing that dream apartment, paying for your first big freelance gig, or covering expenses for a passion project, knowing how to write a check is an essential skill that opens doors in situations where digital payments fall short.

Here's a detailed guide on how to write a check, step-by-step.

Steps to Write a Check:

1. Date: Write today's date in MM/DD/YYYY format at the top right
2. Payee: Write the recipient's name on the "Pay to the Order Of" line
3. Amount in Numbers: Enter the payment amount in the box (example 156.78)
4. Amount in Words: Write the amount in words below the payee line (example One hundred fifty-six and 78/100)
5. Memo: Optionally, add a note about the payment in the memo line
6. Signature: Sign the check in the bottom right to validate it
7. Record: Keep a record of the check for tracking purposes

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Step 1: Date the Check

Look for the line in the top right corner labeled Date. Write today’s date in MM/DD/YYYY format. This ensures the check is valid from the day you write it.

Tip: Use the full year (For Example: 01/09/2025) to avoid potential tampering.

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Step 2: Add the Payee’s Name

Write the name of the person or business receiving the check on the line that says Pay to the Order Of. Make sure it’s spelled correctly and matches how the payee would endorse the check.

Pro Tip: If you’re unsure of the name, ask the recipient directly to avoid delays.

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Step 3: Write the Amount in Numbers

In the small box to the right of the payee’s name, write the amount of the check in numbers, including cents. For example, if the amount is $156.78, write 156.78.

Important: Be precise and include the decimal point to avoid misunderstandings.

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Step 4: Write the Amount in Words

On the line beneath the payee’s name, write out the amount in words. For $156.78, write One hundred fifty-six dollars and 78/100. This step helps prevent fraud.

• Use and to separate dollars from cents.
• If the check is for a whole number, add 00/100 (For Example: Ten dollars and 00/100).

Quick Hack: Don’t forget to draw a horizontal line after the cents to fill the remaining space and prevent alterations.

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Step 5: Fill in the Memo Line (Optional)

Use the Memo line in the bottom left to add a note about the payment’s purpose (For Example: January Rent or Invoice #12345). This is optional but helpful for your records.

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Step 6: Sign the Check

In the bottom right corner, sign your name exactly as it appears on your bank account. Your signature makes the check valid, so don’t skip this step.

Heads-Up: Use a pen, not a pencil, to ensure your signature can’t be erased.

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Step 7: Keep a Record

Before you hand over the check, note the amount, payee, and check number in your check register or banking app. This helps you track your spending and avoid overdrafts.

Or Just Use Check Supply

Don’t feel like dealing with the hassle of writing a physical check?

With Check Supply, you can send checks directly from your phone. No pen, no paper, no stamps—just convenience.

Learn how here: How to Send a Check via iOS App.