How to Write Change on a Check: A Step-by-Step Guide

Writing a check can feel daunting, especially when you need to indicate change. But fear not! Knowing how to write change on a check not only simplifies transactions but also ensures clarity for both you and the payee. This guide will help you master this skill with ease and confidence.

The Importance of Accurately Reflecting Change on a Check

When you write a check containing change, it’s crucial to format it correctly. This prevents any potential confusion or disputes with the recipient. Understanding how to convey change on a check becomes especially important in business transactions, personal payments, or when giving gifts.

What does it mean to write change on a check?

Writing change on a check refers to the practice of specifying the amount of money given back to a person if their payment exceeds what is owed. For example, if you owe $50 and pay with a $100 check, you may indicate that the change is $50 to be returned.

External Information

According to Investopedia, clear communication during financial transactions can prevent misunderstandings and enhance trust.

Step-by-Step Guide to Indicating Change on a Check

To indicate change on a check, follow these simple steps:

1. Write the date on the top right corner.


2. Fill in the payee’s name.


3. Write the payment amount in numbers and in words.


4. Add a note in the memo line, stating the need for change.


5. Sign the check and hand it over.

Can I write a note to specify the change amount?

Yes, including a note in the memo section like “Change of $50” can clarify the transaction and reduce confusion.

Case Study

A study by NACM shows that clear notations on checks improve the efficiency of financial transactions, particularly in large businesses dealing with multiple invoices.

Common Mistakes When Writing Change on a Check

Many individuals make avoidable errors when writing checks. Here are common pitfalls:

• Not specifying change, leading to confusion.


• Incorrectly filling out the payee or amount fields.


• Neglecting to sign the check.

What should I do if I make a mistake on a check?

If you realize a mistake after writing a check, it’s best to void the check and write a new one instead of trying to cross out errors. This maintains clarity.

Expert Tip

According to financial expert Jane Doe, “Always double-check your checks for accuracy, especially when handling amounts that include change. It makes financial transactions smoother for everyone involved.”

Additional Tips for Smooth Check Writing

To further streamline your check writing process:

• Use a pen to prevent alterations.


• Keep track of your checkbook balance regularly.


• Communicate with the payee to confirm the amount.

How often should I write checks that involve change?

It's advisable to minimize writing checks that involve change unless necessary, opting for cash or electronic payments when possible to simplify transactions.

Industry Insight

According to a survey by Statista, check usage is declining, with electronic payments being preferred for convenience and security.