Complete the Check in a Fixed Order
- Write the current date using an unambiguous format.
- Enter the payee's full name after “Pay to the Order of.”
- Write the numeric amount in the box, including two decimal places.
- Write the whole-dollar amount in words on the long line.
- Write cents as a two-digit fraction over 100, then close unused space.
- Add a useful memo if needed and sign only after reviewing the amount.
For $1,250.75, the box should read 1,250.75. The line can read One Thousand Two Hundred Fifty and 75/100 Dollars Only. The words and figures must agree exactly.
Leading Zeros and Whole-Dollar Checks
Cents always need two digits in the fraction. Five cents is 05/100, not 5/100. A check for $42.05 becomes “Forty-Two and 05/100 Dollars Only.” For $42.00, use “Forty-Two and 00/100 Dollars Only” or “Forty-Two Dollars Only,” depending on the check format accepted by your bank.
Start the wording near the left edge. Draw a line through remaining space so additional words cannot be inserted. Avoid corrections over the amount; void the check and prepare a clean replacement if the figures or words are wrong.
Final Review
Compare the payee, numeric box, written line and signature. Check commas and decimal placement, but prioritize value: “1,205.50” is not the same as “1,250.50.” Bank practices vary, so confirm unusual cases with the institution receiving the check.