Facebook Twitter Pinterest LinkedInMany young people these days have probably completely forgotten about checks. There are six fields you will need to fill out: the date, who the check will be made out to, the dollar amount written in numbers, the dollar amount written in words, the “memo” so you know what the check was for, and finally your signature. It is important to know when a check is written for record-keeping purposes and maintaining your budget. On the line below “Pay To The Order Of”, you will write out the amount of the check in words.
Like a credit card receipt, your signature on a check is required to authenticate and authorize the transaction.
After you’ve completely filled out all 6 fields, below is a copy of what your check should look like.
Checks must be endorsed (signed) before you or someone else can cash them or deposit them into an account. Restrictive Endorsement – the check can only be deposited into your account and not made out to cash.
If you choose to stop payment on a check, you must have legitimate grounds – if you write a check and then stop payment without good reason, you may create civil or even criminal liability for yourself. Make sure to spell the business or person’s name properly or they will not be able to deposit or cash the check.


Be very careful and accurate when writing in the dollar amount to avoid overpaying or underpaying. You are not required to fill in this field, but it can be used for record-keeping purposes to remind you what the check was for or what bill you paid off. A check is not valid unless it is signed and you should never sign one until all the information on the check is completely filled out. Endorsing a check means making a specific notation on the back of the check so the financial institution will know what to do with it. It will include a specific notation as to who may cash the check, as well as your signature and account number. With debit and credit cards, bank transfers, ACH and wire transfers, PayPal, and other mediums, it doesn’t seem like we use personal checks all that often anymore, unless you run a business or choose to get your paycheck via actual check.
Afterwards, I strike a line through the rest of the empty space to prevent anyone from adding more words or increasing the dollar amount on the check. Some businesses will ask you to write your account number or the invoice number in the memo field to make sure there are no mix-ups in regards to what account and bill you are paying. Otherwise, you may just be signing over a blank check or one that can be adjusted for a higher amount. Like any financial issue, doing it right the first time and avoiding problems in the future will save you a ton of effort and headache in the long-run.


To stop payment on a check, you must provide the details of the check and sign off on documentation. To avoid any confusion, embarrassment, or financial mistakes, here’s a step-by-step guide on how to write a check.
Furthermore, be sure to ask businesses what name they want on the check since some companies are subsidiaries or have DBAs (“Doing Business As”), and their bank accounts are under a parent company’s name. If there are any discrepancies with your bank, such as cases of fraud or identity theft, a forged signature may be the only way to prove you didn’t write and authorize the check.
The fee to cover the paperwork involved will be automatically deducted from your checking account. Take it slow the first few times you write a check to sidestep any delays in processing your payment, and afterwards, you’ll be an expert.



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