How To Write A Check For 1500
If you can’t remember the last time you opened your checkbook, you’re not alone. With debit cards, credit cards, online banking and direct deposit, paper checks can seem like a thing of the past. But writing checks can still be useful, if not required, sometimes. So if you need to write a check and find yourself wondering how to properly fill out each field, use this guide.
Understanding a check’s format
It’s not complicated, but it helps to know a check’s format and everything that’s on it prior to filling one out for the first time. The parts of a check include preprinted information and empty fields, which you’ll need to complete each time you write a check.
Preprinted information typically includes the account holder’s name and information, check number, bank routing number, and account number. The rest of the empty fields are used to write out a check. These include the date, recipient, dollar amount in numbers, dollar amount in words, memo line, and signature line.
How to write a check
It’s important to fill out your check accurately and without mistakes. Filling one out improperly might hold up the payment process. And any delays could result in past due fees for certain bills.
1. Date the check
Make sure your check reflects the current date—and write it in the top right corner. Backdating a check occurs when a previous date is used. It’s typically not allowed, and it may even be illegal in some situations.
2. Fill in the recipient’s name
The recipient, also known as the payee, is the business, organization or person to whom you’re writing a check. The field for the recipient’s name usually begins with “Pay to the order of.” Make sure this field is filled out correctly with the recipient’s full name.
3. Write the dollar amount in numbers
There are two places where you need to list the dollar amount of your check in both dollars and cents. The first location for the payment amount is to the right of the recipient’s name. It’s typically a small box for numerals only and usually begins with a dollar sign, so you don’t need to write one in.
4. Write the dollar amount in words
The second location for the dollar amount is directly below the recipient’s name. This larger field often ends with the word “dollars,” and the amount should be spelled out in words in this location.
5. Include a memo
Filling in a check’s memo line may not be required, but it can be helpful to write what the check is for.
6. Sign the check
Lastly, you’ll sign the check on the line in the bottom right corner. Your signature is one of the most important parts of a check. Without it, your check generally can’t be cashed or deposited.
Tips for correctly writing a check
Before you write a check, here are a few tips to consider:
- Use a pen. By writing the check with a pen, you may reduce the risk of someone altering the check or changing the amount of money you’re paying someone.
- Write legibly. Print is often easier to read than cursive. Write in print on each blank field, except your signature field, so the person cashing or depositing the check can read it clearly.
- Don’t sign a blank check. Always fill in the name of the recipient and the amount prior to signing. Doing so may reduce the risk of check fraud.
- Double-check your work. Ensure everything is correct before you submit the check.
How to void a check you’ve already written
Mistakes happen. And if you make an error when writing your check, you may want to void it. This could prevent others from using the check and help protect you from fraud. To void a check, write “VOID” across the entire check and start over with a new check.
There are other reasons to void a check besides making a mistake. For example, you may need to provide a voided check to set up direct deposit for your paychecks at work.
How to write a check to yourself
You can write a check to yourself in a couple of ways. You could write your name as the recipient and deposit the check into another bank account. Or you could make the check payable to “cash” and cash the check.
While it’s possible to write a check to yourself, be aware that banks and credit unions may charge a fee or refuse to cash the check if you don’t have an account with them. To avoid these issues, you might want to consider using other ways to move your money, like ACH transfers or money transfer apps.
Tips for using your checkbook
Now that you know how to write a check, here are a few tips you may want to follow to keep your checkbook secure:
- Know your checking account balance. You can avoid bouncing a check or overdrawing your account by keeping tabs on your checking account balance.
- Keep your checkbook safe. A lost checkbook can lead to problems, including check fraud. So it’s important to keep your checkbook in a safe place and protect it like you would a debit or credit card.
Writing a check in a nutshell
Checks might not be as popular as they used to be, but knowing how to write a check is helpful. And keeping a checkbook handy can be a good idea in case you need to fill out a check for bills and other expenses.
FAQs
1. Can I use a pencil to write a check?
It’s recommended to use a pen when writing a check to reduce the risk of alterations or changes to the check.
2. What should I do if I make a mistake on a check?
If you make a mistake on a check, it’s best to void the check and start over with a new one to avoid any potential issues.
3. Is it necessary to include a memo on a check?
While it’s not required, including a memo on a check can be helpful for record-keeping and to provide additional information about the purpose of the payment.
4. Can I cash a check made payable to “cash”?
Yes, you can cash a check made payable to “cash,” but some banks or credit unions may charge a fee or refuse to cash the check if you don’t have an account with them.
5. How can I keep track of my checking account balance?
You can keep track of your checking account balance by using a checkbook register or balance book to record your transactions and compare them to your online balance.
6. What should I do if I lose my checkbook?
If you lose your checkbook, it’s important to contact your bank or credit union immediately to secure your account and prevent potential check fraud.