How to Write a Check
Step-by-step guide to filling out a personal check correctly
⚡Quick Answer
Write today's date top-right. Write payee name on 'Pay to the order of' line. Fill amount in numbers in the box, then in words on the line below. Add memo, sign, and record it in your register.
Step-by-Step Guide
Write the Date and Payee Name
In the top-right corner, write today's date (e.g., March 14, 2026 or 03/14/2026). On the 'Pay to the Order of' line, write the full name of the person or company you are paying. Use their official name exactly as it appears on their account.
Write the Amount in Numbers and Words
In the small box to the right, write the dollar amount in numerals (e.g., 142.75). On the long line below the payee, write the same amount in words: 'One hundred forty-two and 75/100'. Draw a line after the written amount to fill any blank space.
Add Memo and Sign
In the memo line (bottom-left), note what the payment is for — e.g., 'Rent – March 2026' or 'Invoice #1042'. This is optional but useful for your records and the payee's. Then sign your name on the signature line (bottom-right) exactly as your bank has it on file.
Record It and Keep Track
In your check register (or banking app), log the check number, date, payee, and amount. Subtract it from your balance immediately — even if the check hasn't been cashed yet. Checks can take days or weeks to clear.
Frequently Asked Questions
What do I do if I make a mistake on a check?
Do not use correction fluid (Whiteout). Write 'VOID' clearly across the entire check, keep it for your records, and write a new check.
How do I write a check for cents only (less than $1)?
Write '0' in the dollar box and 'Zero and 50/100' (or whatever cents) on the written line. This is uncommon but valid.
Is a check valid without a memo?
Yes. The memo line is optional. The only required fields are: date, payee name, amount (numeric and written), and your signature.