How to Write Cents on a Check: A Comprehensive Guide

Writing a check might seem like a relic of a bygone era, but it remains a necessary skill for many. While online banking and digital payments are prevalent, checks are still used for various transactions, from paying rent to sending gifts. This guide offers a complete breakdown of how to accurately and professionally write the cents portion of a check, ensuring your payments are processed smoothly. We’ll cover every aspect, from the basics to avoiding common mistakes.

1. Understanding the Importance of Accuracy

Before diving into the specifics, it’s crucial to grasp why precision is paramount when writing a check. A check is a legal document, and any errors can lead to delays, rejection by the bank, or even financial repercussions. Incorrectly written amounts, especially the cents portion, are a primary cause of check processing errors. Banks use automated systems to read checks, and these systems rely on accuracy to function correctly.

2. The Basics: Where to Write the Cents

Locating the correct area for writing the cents is the first step. On a standard check, you’ll find two sections for entering the amount:

• The Numerical Amount: This is the box, usually located on the right side of the check, where you write the amount in numbers (e.g., $123.45).
• The Written Amount: This is the line below the payee’s name, where you write the amount in words. This is where the cents are included.

3. Formatting the Cents Portion: The Correct Way

The written amount is the critical area for properly formatting the cents. Here’s how to do it correctly:

• Write the Dollar Amount in Words: Begin by writing the dollar amount in words, starting with a capital letter. For instance, if the amount is $123.45, you would start with “One hundred twenty-three…”
• Include “and” before the Cents: Always use the word “and” after the dollar amount and before the cents. Following the previous example, it would become “One hundred twenty-three and…”
• Write the Cents as a Fraction: The cents are written as a fraction of a hundred. For instance, for 45 cents, you would write “45/100.”
• Complete the Line: To prevent fraud, draw a horizontal line from the end of the fraction to the end of the line. This prevents someone from adding to the amount.

So, the complete written amount for $123.45 would be: “One hundred twenty-three and 45/100——————-”

4. Handling Amounts Without Cents

What if the amount doesn’t have any cents? Here’s how to handle that:

• Write “and No/100”: When the amount is a whole number (e.g., $100), write “and No/100” after the dollar amount.
• Complete the Line: As always, draw a line from the end of the written amount to the end of the line.

Example: For $100, the written amount would be: “One hundred and No/100——————-”

5. Common Mistakes to Avoid

Several common errors can lead to check processing problems. Being aware of these helps you avoid them:

• Incorrect Fraction: Ensure you write the cents over 100.
• Omitting “and”: Forgetting “and” before the cents is a frequent error.
• Leaving Space: Leaving space between the dollar amount and “and” can allow someone to add to the amount.
• Not Drawing a Line: Failing to draw a line after the written amount is a major security risk.
• Misspelling Words: Any misspelling can cause the check to be rejected. Double-check your spelling.

6. Practice Makes Perfect: Examples in Action

Let’s look at a few more examples to solidify your understanding:

• $5.75: Five and 75/100——————-
• $250.00: Two hundred fifty and No/100——————-
• $1,000.10: One thousand and 10/100——————-
• $0.99: Zero and 99/100——————- (Alternatively, just write “Ninety-nine/100” if the dollar amount is zero.)

7. Using a Check Writing Guide for Extra Help

If you are still unsure, consider using a check-writing guide. These guides can be found online or as a physical tool. They offer helpful tips and examples to ensure accuracy.

8. Security Measures: Protecting Your Checks

Beyond accurate writing, consider these security measures:

• Use a Secure Pen: Use a pen with permanent ink that is difficult to alter.
• Keep Checks Secure: Store your checkbook in a safe place.
• Monitor Your Account: Regularly review your bank statements for any unauthorized transactions.
• Consider Check Fraud Prevention Services: Some banks offer services to protect you from check fraud.

9. Technology’s Role: Digital Alternatives

While this guide focuses on writing checks, it’s important to acknowledge the shift towards digital payments. Services like online banking, mobile payment apps, and electronic funds transfers offer convenient and secure alternatives. Consider these options when appropriate.

10. When to Use Checks: Situations Where They Remain Relevant

Despite the rise of digital payments, checks still have their place:

• Paying Rent or Landlords: Some landlords still prefer checks.
• Sending Gifts: Checks can be a traditional and thoughtful way to send money.
• Paying Certain Bills: Some businesses still require checks.
• Transactions with Individuals: Checks can be useful for personal transactions.

Frequently Asked Questions (FAQs)

Can I use a pencil to write a check?

No. Always use a pen with permanent ink, preferably a ballpoint pen. Pencil marks can be easily erased or altered.

What if I make a mistake on a check?

If you make a mistake, it’s best to void the check (write “VOID” across it) and start over. Do not try to make corrections on the check itself, as this can raise suspicion.

Is it okay to write the cents as decimals in the written amount?

No. Always write the cents as a fraction of 100 (e.g., 45/100). Writing it as a decimal in the written amount is incorrect.

What happens if my check is rejected by the bank?

The bank will likely return the check to the recipient, and you may be charged a fee. You’ll need to correct the error and reissue the check.

How do I know if my check has been cashed?

You can typically check your bank account online or through your bank statement to see if the check has been processed and the funds have been deducted.

Conclusion

Mastering how to write cents on a check is a fundamental skill, ensuring your financial transactions are accurate and secure. By following the guidelines outlined in this comprehensive guide, including using the correct format, avoiding common errors, and understanding the importance of security, you can confidently write checks. Remember to always write the dollar amount in words, followed by “and,” then the cents as a fraction over 100, and complete the line with a horizontal line to prevent fraud. While digital payment methods are gaining popularity, knowing how to write a check properly remains a valuable skill.