Writing a Check: How to Do It

Keep these tips in mind when you’re writing a check:

• Use a blue or black ink pen, not a pencil.
• Write clearly so others can read it.
• Keep a record of your checks.

How do you write numbers in words on a check?

You’ll need to write the check amount in both numbers and words. The amount in numbers goes in the box on the right. The written words of that amount go below the "Pay to the Order of" line.

Follow these rules when writing numbers in words on a check:

• Write the dollar amount clearly in words
• Use a fraction for cents

Here’s what that might look like: $50.25 to “Fifty dollars and 25/100.”

Why draw a line after the written amount on a check?

Drawing a line stops someone from adding extra words or numbers to your check. This is a security step you can take. It helps prevent fraud (changes made without your permission).

Can I write a check to “cash”?

Yes, you can write “Cash” as the payee in the "Pay to the Order of" line. This means anyone holding the check can cash it.

This can be risky. If lost, anyone can use it. Only do this if you plan to cash the check right away.

What happens if I write a check without enough money?

You shouldn’t write a check without enough money in your account.

If your account is short on funds, the check will be returned for insufficient funds. This means the bank won’t pay it because there isn’t enough money to cover the amount.

When this happens:

• The bank can’t complete the payment.
• You may have to pay fees or penalties.
• The person you paid may also charge a fee and ask for a new payment.

To avoid this, always ensure you have enough money to cover the check.

How do I stop payment on a check?

You may be able to stop payment on a check if you act quickly. A stop payment is when you ask your bank to cancel a check before processing.

Here are the steps to stop a payment:

• Contact your bank right away.
• Give the details about the check (check number, amount, payee name).
• They'll let you know if the check has been paid (cleared) or if you still have time to stop it.

Some banks may charge a fee for this service.

What’s a voided check?

A voided check is a check that cannot be used for payment. To void a check write “VOID” in large letters across it.

A voided check may be requested to:

• Set up direct deposit
• Share bank information safely

What’s a postdated check?

A postdated check has a future date written on it. This means the check should be cashed or deposited later, not right away. Here’s an example. If today is May 1, but the check says May 15, it’s postdated.

Some banks may still process it early, so be sure you have funds available when you write the check.

Do unused checks expire?

Unused checks don’t expire. You can use them as long as your bank account is open.

Old checks won’t work if your routing or account number changed or your account closed. If you’re unsure about whether your checks are valid, ask your bank.