Do you have to write out the dollar amount on a check?

The rising popularity of debit cards, direct deposit and mobile banking has reduced the number of people writing paper checks. In years past, check writing was a major feature of personal finance, providing a safer alternative to cash, especially when a credit or debit card payment processor is not available.

While writing checks has become a less prevalent payment method, it is still a widely accepted method of payment. Therefore, it's important that you know how to fill out a check.

Writing Paper Checks

The majority of personal checks are drawn against a checking account. Checking accounts allows convenient access to liquid funds to manage regularly occurring payments and expenses. Checks can also be drawn from savings accounts.

A check is a draft that's payable on demand and drawn on a bank account. The payor is the person writing the check. The payor can restrict the payment amount to the name of the person receiving the check, known as the payee, and keep a record of the check as proof of payment.

Personal checks are quite useful for large purchases because a paper check is safer than carrying cash from an ATM. There is enough identifying information on a check to trace a check deposit in order to locate funds, if necessary. A checkbook will also have a check register to keep track of the account balance.

There are multiple parts of a check which makes issuing checks a bit different from swiping a debit card. The account number and routing number will be printed on the check, along with the full name and address of the payor. The name of the bank or credit union will also be on the check.

The payor will fill out the current date or use the option of postdating the check for a future date. Many people find the memo line to be useful for recording details of the transaction. The amount of the payment will also be recorded twice on the check. A check will also require the payor's signature. One particular concern is filling out the "Dollars" line.

How to Fill Out the Dollars Line

The proper way to fill out the dollars line is to write out the dollar amount of the check in words and to use a fraction for the cents. If the amount of the check is ​$35.76​, for example, you would write “​Thirty-Five Dollars and 76/100​” on the dollars line and the numerical amount in the dollar box with a dollar sign.

American Express stresses that even if the check amount contains ​zero cents​, write out “​and 00/100​” on the dollars line for the sake of clarity. Both the words and numeric payment amounts must match.

For security, it is advisable to write out the payment information as far to the left as possible, to avoid leaving space or crowding the written amount on the dollar line and the numeric amount in the dollar box. A common method of fraud is for criminals to add value to the payment amount on these lines.

Scribble a line after the cents towards the word “Dollars” printed on the check to fill in any extra space. If the amount is for something less than a dollar, such as a check for ​50 cents​, write “​Only fifty cents​” and cross out the remainder of the space on the line as well as the word “Dollars” on the check.

Writing Checks to a Payee

The check's dollar line helps resolve any conflicts regarding the actual amount of the check. For example, a problem exists if a payor writes “​$40.50​” in the dollar box but “​Forty-two and 50/100​” is written on the dollar line. Double-check the information on a personal check to reduce such errors.

Before the payee can cash the check, the payor must have signed the signature line. Be wary of signing blank checks, as someone may find the check and fill it in for any amount they choose. While this constitutes fraud and is illegal, recovering stolen money can be a hassle.

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If you haven’t written one in a while (or ever), here is a handy guide on how to write a check.

Steps to fill out a check

Many consumers send money electronically these days, but occasionally it may still be necessary to pay by check. Checks can be ordered from banks or third-party printers. Here are the steps to fill one out.

1. Fill in the date

Write the current date on the line at the top right-hand corner. This information notifies the financial institution and the recipient of when you wrote it. The date can be written in long form or all numbers. Either 6/14/2022 or June 14, 2022, could work, for example.

2. Write the name of the payee

On the line that says “Pay to the order of,” write the name of the individual or company you’d like to pay, known as the payee. Use the payee’s full name instead of a nickname.

If you don’t know the exact name, you can write “cash.” Be aware that if a check is made out to cash, anyone can cash or deposit it.

3. Write the check amount in numeric form

There are two spots on a check for stating the amount you’re paying. The first is a small box to the right of the line for the recipient’s name.

Write the numerical dollar amount in this box. For example, you may write $100.30 if you wish to write a check for one hundred dollars and thirty cents. Make sure you write this clearly so that the bank can subtract the correct amount from your account.

4. Write the check amount in words

Next, write out the dollar amount in words on the line below “Pay to the order of,” making sure it matches the numerical amount.

Add the cent amount over 100. For example, if you wrote $100.30 in the box, you’ll write “One hundred and 30/100.” If the check is for $100 or another round number, still include 00/100 for clarity.

5. Write a memo

The memo section of the check is optional, but it’s good idea to fill it out because it can serve as a reminder of what the check was for.

If you’re writing the check to pay for your for a haircut, for example, you can write “haircut.” If the check’s for a bill payment, write your account number in the memo area.

A company may ask you to write your account number or invoice number in this section, which helps ensure the payment is applied to the correct account.

6. Sign the check

Sign your name on the line at the check’s bottom right hand corner.

Sign legibly and make sure to use the same signature on file at your bank. A signature confirms to the bank that you agree to pay the stated amount to the payee. That’s it, your check should be all set to make a payment! (You may also want to check out Bankrate’s list of the best checking accounts.)

–Freelance writer Anna Baluch contributed to a previous version of this article.

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