Writing a check is a simple task but can be confusing for some, especially when it comes to including cents. Whether you’re paying bills or splitting a check at a restaurant, knowing how to write a check with cents is an important skill to have. In this guide, we will walk you through the steps of writing a check with cents correctly.
Step 1: Fill Out the Date
Begin by writing the current date on the top right corner of the check. This is important for record-keeping and helps ensure the check is processed promptly.
Step 2: Write the Payee’s Name
Write the name of the person or organization you are paying on the “Pay to the Order of” line. Make sure to write the name clearly to avoid any confusion.
Step 3: Write the Amount in Numeric Form
Write the dollar amount next to the dollar sign ($) on the check. Make sure to include the cents as well. For example, if you are paying $25.75, you would write “25.75” in the box.
Step 4: Write the Amount in Words
Write out the dollar amount in words on the line below the payee’s name. Be sure to start writing as close to the left-hand side as possible to prevent fraudsters from adding extra numbers.
Step 5: Include Cents as a Fraction
When including cents in the amount in words, write the cents amount as a fraction over 100. For example, if you are writing a check for $15.50, you would write “Fifteen and 50/100” to represent 50 cents.
Step 6: Sign the Check
Sign the check on the line in the bottom right corner. Your signature is essential to authorize the payment. Make sure it matches the signature on file with your bank.
Additional Tips:
- Double-Check Everything: Review all the information on the check before submitting it to ensure accuracy.
- Use Pen: Always use a pen when writing a check to prevent alterations or fraud.
- Keep a Record: Record the check number, date, payee, and amount in your check register or online banking system for future reference.
Common Mistakes to Avoid:
- Not Including Cents: Always write the cents amount, even if it’s zero. This prevents any confusion during processing.
- Signing Before Completing: Make sure to fill out all the necessary fields before signing the check.
- Using Abbreviations: Avoid abbreviations when writing out the dollar amount in words. Spell it out fully to prevent misinterpretation.
Conclusion
Knowing how to write a check with cents is a valuable skill that can come in handy in various situations. By following these steps and tips, you can ensure that your checks are filled out accurately and prevent any errors or fraud. Remember to double-check all the information before submitting the check and keep accurate records for your own reference.
