Sometimes when you get a check book you may not know how to write it properly, that’s normal. With a little bit of guidance and practice you’ll be a pro in no time. Writing a check is not rocket science and it sure as hell is not impossible.
Writing a check is a basic bank necessity although we now have credit cards and ATM’s to ease the frequency of using a check for all our monetary needs. Many companies and government bodies still rely on the check payment system.
- Begin by writing the date on the line provided in mm/dd/yyyy format. Example: 8/24/1982
- Clearly state the name of the person or company to whom you are writing the check for on the next line next to Pay to the order of
- Write the numerical value of the amount to be paid in the box on the right hand side
- In the space below “Pay to the order of” write the amount that you have already written in the box clearly in words and a fraction for the less than dollar amounts. Then use a line to fill in the empty space left on that line.
- On the bottom (left) of the leaf there is a line which will either say For or Memo. Indicate for what purpose the expense is being made on this line. For e.g: Rent
- On the lower right hand portion there will a place that says “Signature”. Your signature must be there for the check to be en-cashed properly. Without a signature, a check is useless. And without a correct signature, it will not be cashed.
- Always keep a healthy balance amount in your account before issuing check (or that matter any kind of payment). This will you in managing your finances well too.
- Keep a carbon paper below each check before you fill it in. That way you can keep a track of your payments too!
- Always keep your account number memorized.
- If you give a person a post dated check (one that he wont be able to cash immediately or until a certain date) be sure to inform them so that they are not left in shock when the bank does not credit the amount to their account immediately.
- Destroy checks that have errors or ones that are void to avoid counterfeiting issues in the future.
- Write your checks with gel pens. This is to avoid frauds later on. In case your check falls into the wrong hands, the ink in normal pens can be washed off and any name and amount can be accordingly filled in. Get ink sinks into the paper and wont wash off if tried.
- Always make sure when you get a new check book that the name / address / number printed n the check is correct.
Always register the check number (printed on the top right hand side on the white space).