How to Write a Check With Cents: 6 Steps (with Pictures)

In a world increasingly dominated by digital payments and electronic transactions, the art of writing a check may seem like a lost skill. However, there are still instances where a physical check is necessary, whether it’s paying rent, settling a bill, or making a donation. Understanding how to write a check correctly is an essential financial skill that everyone should possess. Knowing how to write a check with cents is more important to avoid nitty gritty mistakes.

One crucial aspect of writing a check is including the cents portion accurately. While the dollar amount is relatively straightforward, properly indicating the cents is often a point of confusion. It’s important to get it right to ensure that the intended recipient receives the exact amount you intend to pay.

In this article, we will provide you with a step-by-step guide on how to write a check with cents, ensuring accuracy and clarity in your financial transactions. Whether you’re a beginner who has never written a check before or someone looking for a refresher, this comprehensive guide will equip you with the knowledge to handle check-writing situations with confidence.

Before you start writing a check with cents, there are a few things you need to keep in mind:

• Ensure you have enough money in your bank account.
• Use legible handwriting to prevent any confusion or misinterpretation of the information on the check.

How to Write a Check with Cents

Now comes the answer to the question of How to Write a check with cents. Follow the following steps to write a check: 

Step 1: Fill in the Date

Begin by filling in the current date on the check’s top right or left corner. Use the format Day/Month/Year (e.g., 05/07/2023).

Step 2: Add the Payee’s Name

On the line that says “Pay to the order of,” write the full and correct name of the person or organization you are paying. Also, make sure you spell the name correctly to avoid any discrepancies in the payment.

Step 3: Write the Amount in Numbers

Write the amount in numbers in the box on the right-hand side of the check. Ensure that you separate the dollars and cents with a  decimal point.

Step 4: Write the Amount in Words

On the line below the payee’s name, write the amount using words. Begin with the dollar amount, followed by “and,” and then the cents. At the end of the amount, you must add the word “dollars.”  

Step 5: Add a Memo (Optional)

If you wish to specify the purpose of the payment, you can add a memo on the “Memo” line. This is not mandatory, but it can be helpful for record-keeping and clarification.

Step 6: Sign the Check

Sign the check in the lower right corner using your full legal signature. Your signature verifies the check and authorizes the payment.

What is a Check?

A check is a written, signed, and dated legally binding document. It allows you to transfer money to the bearer’s bank account. The one who writes the check is known as the payor, whereas the person to whom the check is directed is the payee.

Things to Keep in Mind While Writing a Check with Cents

Do you still feel anxious? Well, then, we guess it’s time for you to say…

Because we have some tips to help you write a check with cents! 

#Tip 1: Avoid Leaving Empty Spaces or Gaps

Fill in all the necessary fields on the check. This includes the date, amount, and signature lines. Leaving any spaces open may allow unauthorized individuals to add or alter information.

#Tip 2: Write the Amount in Words Correctly

On the line below the payee line, the amount in words must match the numerical amount. You must use “and” to separate dollars from cents. For example, “$50.75” would be written as “Fifty dollars and 75/100 only.”

#Tip 3: Avoid Overwriting

While filling out the details in a check, you must write clearly in one go. Otherwise, it’d lead to overwriting, making the check look shabby and compromised. 

The Key Takeaway

So, isn’t it easy? We get it. Writing a check with cents may seem difficult at first. But now that you are aware of all the necessary details about it, you can confidently complete this task. But remember to exercise caution and verify the accuracy of information.

Also, as a going-away gift, here are one more important tip:

You must cross-verify the amount before giving the check. 

FAQs on Writing a Check with Cents

Can I Write a Check for any Amount? 

Yes, you can write a check for any amount as per your bank balance. Otherwise, your check can get bounced.

How Should I Void a Check if I Make a Mistake? 

To void a check, simply write the word “VOID” in large letters on the front side of the check. This ensures that the check cannot be used or processed.

Is it Necessary to Write the Amount in Words and Numericals?

Yes, writing the amount in words and numerals is necessary. It serves as a substitute in case of any confusion between numbers and words.

Can I use a Black pen to Write a Check? 

Yes, you can use a black ballpoint pen to write a check with cents.