How to Write a Check: Step-by-Step Guide

Even in an age of digital payments, knowing how to write a check is a useful skill. Checks are still used for rent payments, gifts, donations, contractors, and situations where electronic transfers aren't accepted. This guide walks you through each part of a check and how to fill it out correctly.

Parts of a Check

Before you start writing, know the six key areas on a standard check:

1. Date – Top-right corner
2. Payee line – "Pay to the order of"
3. Amount box – Numeric amount (e.g., $150.00)
4. Amount line – Written amount (e.g., "One hundred fifty and 00/100")
5. Memo line – Optional note (e.g., "January rent")
6. Signature line – Bottom-right corner

At the bottom of the check you'll also see pre-printed numbers: the routing number (identifies the bank), account number (identifies your account), and check number (identifies this specific check).

How to Write a Check: Step by Step

Step 1: Write the Date

In the top-right corner, write today's date. Use the format your bank expects (usually MM/DD/YYYY in the US). Don't post-date checks unless the recipient agrees—it can cause confusion or rejection.

Example: 01/31/2026

Step 2: Write the Payee Name

On the line that says "Pay to the order of," write the name of the person or company you're paying. Be specific:

• Individual: Use their full legal name (e.g., "John A. Smith")
• Business: Use the official business name (e.g., "ABC Property Management LLC")

If you're unsure of the exact name, ask the recipient. An incorrect payee name can cause the check to be rejected.

Step 3: Write the Amount in Numbers

In the small box on the right side of the check, write the payment amount in numbers. Include dollars and cents:

• $150.00 (not $150)
• $1,250.75
• $50.00

Start writing as close to the left edge of the box as possible to prevent someone from adding digits in front of your amount.

Step 4: Write the Amount in Words

On the line below the payee, write the same amount in words. This is a security measure—if the numbers and words don't match, banks typically use the written amount.

Format: Write dollars as words, then "and," then cents as a fraction over 100.

Draw a line after the written amount to fill any remaining space. This prevents anyone from adding words to increase the amount.

Example: One hundred fifty and 00/100 ————

Step 5: Fill in the Memo Line (Optional)

The memo line (bottom-left, often labeled "Memo" or "For") is optional but helpful. Use it to note what the payment is for:

• "January rent"
• "Invoice #12345"
• "Birthday gift"
• "Lawn service – March"

This helps you remember the purpose when reviewing your records, and it helps the recipient match the payment to an invoice or account.

Step 6: Sign the Check

Sign your name on the line in the bottom-right corner. Use the same signature you provided to your bank when you opened the account. Without a signature, the check is invalid and the bank won't process it.

Important: Don't sign a check until all other fields are filled in. A signed blank check can be filled in by anyone for any amount.

Example of a Completed Check

Here's what a properly filled-out check looks like:

Date: 01/31/2026

Pay to the order of: ABC Property Management LLC

$1,250.00

One thousand two hundred fifty and 00/100 ————————

Memo: February rent – Unit 4B

[Signature]

Common Mistakes to Avoid

1. Using pencil instead of pen

Pencil can be erased and altered. Always use a pen—preferably blue or black ink.

2. Leaving blank spaces

Fill every field. Draw lines through unused space on the amount line to prevent alterations.

3. Forgetting to sign

An unsigned check is invalid. Always sign before handing it over or mailing it.

4. Writing the wrong amount

Double-check that the numeric amount and written amount match. If they don't, the bank may reject the check or use the written amount.

5. Not recording the check

Write down the check number, date, payee, and amount in your check register or accounting software immediately. This helps you track spending and avoid overdrafts.

6. Post-dating without agreement

Writing a future date doesn't guarantee the check won't be cashed early. Banks may process it regardless. Only post-date if the recipient explicitly agrees to wait.

How to Void a Check

If you make a mistake, don't try to fix it—void the check and start fresh.

1. Write "VOID" in large letters across the front of the check
2. Record the voided check number in your register
3. Keep or shred the voided check (don't throw it away intact)

You may also need to void a check to set up direct deposit or automatic payments. In that case, write "VOID" across the check and give it to your employer or biller—they'll use the routing and account numbers to set up electronic transfers.

Tips for Writing Checks Safely

• Use permanent ink – Blue or black pen; never pencil
• Start writing at the far left – Prevents anyone from adding digits or words
• Draw lines through empty space – Prevents alterations
• Don't sign blank checks – Fill in all details first
• Store checks securely – Treat blank checks like cash
• Monitor your account – Review statements for unauthorized checks

Print Your Own Checks

If you've run out of checks or want to customize your own, you can use a free check writer to create and print checks at home. Enter your bank details, payee, and amount; download a PDF; and print on blank check stock paper.

This is often cheaper than ordering checks from your bank and lets you print checks on demand—no waiting for delivery.

Create a check now →
Browse check templates →

Frequently Asked Questions

Can I write a check to myself?

Yes. Write your own name on the payee line, then endorse and deposit it at your bank. This is sometimes used to transfer money between accounts at different banks.

What if I make a mistake?

Void the check by writing "VOID" across the front, then write a new one. Don't try to cross out or correct errors—banks may reject altered checks.

Do I have to fill in the memo line?

No, the memo is optional. But it's helpful for your own records and for the recipient to know what the payment is for.

Can I write a check for any amount?

You can write a check for any amount up to your account balance (or overdraft limit). Writing a check for more than you have available may result in a bounced check and fees.

How long is a check valid?

Most banks consider checks "stale" after 6 months (180 days). After that, the bank may refuse to cash it. If you have an old check, contact the issuer for a replacement.

Is it safe to mail a check?

Generally yes, but take precautions: use security envelopes, don't write "cash" on the payee line, and consider using online bill pay for recurring payments. For large amounts, certified mail or electronic payment may be safer.

Summary

Writing a check is straightforward once you know the six parts: date, payee, amount in numbers, amount in words, memo (optional), and signature. Use pen, fill in all fields, and record every check you write. If you need checks quickly, use a free check writer to create and print your own.

Create a check now →