How to Write a Check in Words: A Comprehensive Guide

Writing a check may feel like a lost art in our digital world, but it's still an essential skill to master. Whether you're paying bills or gifting someone money, knowing how to write a check in words can prevent confusion and ensure accuracy. This guide covers everything you need to know!

Understanding the Basics of Check Writing

When writing a check, it's crucial to communicate the payment amount clearly. Writing the amount in words is not just a formality; it serves as a double-check against errors that may occur if only numerals are used. Here’s how you can do it correctly:

• Write the amount in numbers in the designated box


• Write the same amount in words on the line beneath it


• Be clear, use capital letters, and add "and" before any cents

Why Do I Need to Write a Check in Words?

Many people wonder why it's necessary to write the amount in words at all. The reason is simple: it helps eliminate any potential fraud. If someone tries to alter the numeric amount, the written amount serves as the official record.

According to the American Bankers Association, more than 70% of check fraud cases stem from checks improperly filled out.

Choosing the Right Format for Writing in Words

When writing the amount in words, ensure you follow a clear format to avoid mistakes. Here’s a simple structure:

• For whole numbers, write the number in words followed by "dollars"


• For cents, use "and" followed by the cents over 100


• Example: "One Thousand Five Hundred and 25/100 dollars"

Can I Use Abbreviations When Writing a Check?

Abbreviations should generally be avoided when writing a check in words. For clarity, always spell out the amounts fully. This minimizes the chance of misinterpretation.

A survey by the National Check Fraud Center indicates that checks with legible amounts are less likely to be disputed or altered.

Practical Tips for Writing a Check in Words

Here are some tips to ensure you're writing checks correctly:

• Practice on a sample check before writing your final one


• Use blue or black ink for better visibility


• Double-check the spelled amounts against the numeric amounts

What If I Make a Mistake While Writing a Check?

If you realize you've made a mistake, it's best not to attempt to erase or white it out. Instead, draw a line through the mistake, write the correct amount next to it, and initial the correction. Alternatively, it’s wise to start over with a new check.

According to financial experts, keeping a clean and accurate checkbook is essential for good financial management.