It has come to my attention that many of my fellow young people don’t know how to write a check. If you are one of these people, this is nothing to be ashamed of. With online banking and debit cards, it’s just a modern truth that people are writing less checks. As a consequence, us young people aren’t learning how to write one. It’s okay we’re all in this together.
So below I have a step-by-step guide to writing a check (with pictures)! And to make it fun, the main subject of our checks is the one and only Christian Grey of 50 Shades of Grey.
Alright lets do this.
Step 1: Write the date
In the upper left-hand corner you will see a spot for you to write in the date. Do this.
Step 2: Write the name of the payee
On the line directly following the “Pay to the Order of” text write the name of the person who is receiving the money. In this case Christian Grey is writing the check to ME!! 🙂
Step 3: Using numerals, write the amount of money
In numeral form, write the amount of money you are giving the person in the box on the far right that has a $ in it. If the amount of money does not include cents, just write whatever the dollar amount is, decimal, zero, zero (ex: $8.00)
Step 4: Using WORDS write the amount of money underneath the payee’s name.
You will see another line underneath the line where you wrote the name of the person to whom the check is being written. One this line you will write out using WORDS the amount of money you are giving. Then you put the amount of cents using a fraction of the number of cents over 100 (ex: 35 cents would be 35/100).
Keep in mind if you write the check for more money than you actually have and the payee goes to cash the check it will bounce. This means that they won’t get the funds and be charged a fee and probably be really pissed off at you. Not to mention you could be charged an overdraft fee.
So just make sure you know how much money is in your bank account at all times. Problem solved.
Step 6: Brief description of what the check is for in memo line (the lowest line on the left side)
You don’t have to get real detailed here, just write couple words so both you and the payee have a record of what the check was for. (Ex: birthday present, rent, sex toys, etc.)
Step 7: Sign the check on the lowest line on the right-hand side.
Self explanatory. It’s your time to break out your best John Hancock!
You are done!!
This is what a finished check will look like when the amount includes cents:
This is what a finished check will look like when the amount does not include cents:
But, just for future reference, let’s go over what the numbers at the bottom of the check mean.
1. Bank Routing Number
This is the number nthe far left of the bottom of the check. The bank uses this to determine what specific bank you do your banking at.
2. Account Number
In the middle of these number is your checking account number. The bank uses this to get the money from your account to give to the payee of the check.
3. Check Number
The third number is the check number. Basically this is just to show you with managing your checkbook and let you know what check you are on.
So there you have it! How to write a check in seven easy steps.