How To Write In Check Amount: A Comprehensive Guide

Writing a check might seem like a relic of the past in our increasingly digital world, but it remains a vital tool for certain transactions. Whether you’re sending a payment to a landlord, paying a contractor, or simply splitting the bill at a restaurant, knowing how to correctly fill out the “amount” section of a check is crucial to avoid errors and ensure your payment gets processed. This guide walks you through the process, covering every detail you need to know to master this essential skill.

1. Understanding the Two Parts of the “Amount” Field

The “amount” field on a check is divided into two distinct sections, each serving a specific purpose. Failing to fill out both correctly can lead to rejection of the check, causing delays and potential complications.

  • The Numerical Amount: This is the straightforward section where you write the payment amount using numbers. It’s usually located to the right of the “Pay to the Order of” line, often indicated by a dollar sign ($) or a designated box.
  • The Written Amount (or “Amount in Words”): This section, found on the line below the “Pay to the Order of” line, is where you spell out the amount of the payment in words. This section is legally binding, meaning that if there’s a discrepancy between the numerical and written amounts, the bank will typically honor the written amount.

2. Filling in the Numerical Amount: Precision is Key

Let’s start with the simpler part: the numerical amount. This section is usually the easiest to get right, but it’s still important to be precise.

  • Use Numbers Only: Simply write the amount using numerals. For instance, if you’re paying $75.50, you would write “75.50” in the numerical amount box.
  • Use Decimals: Always include the decimal point and the cents. If the amount is a whole dollar amount, such as $100, you should write “100.00.” This is important for clarity and to prevent any potential fraudulent alterations.
  • Positioning: Start writing the amount as close to the dollar sign or the left edge of the box as possible. This leaves no room for someone to add extra numbers before your intended amount.

3. Mastering the Written Amount: Spelling Out the Details

This is where accuracy truly matters. The written amount is the legally binding portion of the check. Any errors here can lead to the check being rejected.

  • Start with the Dollar Amount: Write the dollar amount in words, starting with a capital letter. For example, if the amount is $125, you would write “One Hundred Twenty-Five.”
  • Include “and”: Use the word “and” before the cents. For instance, for $75.50, you would write “Seventy-Five and 50/100”.
  • Fractions for Cents: Express the cents as a fraction, typically over 100. For example, for 50 cents, you would write “50/100.”
  • Capitalization: Capitalize the first word of the amount.
  • Fill the Remaining Space: After writing the amount, draw a horizontal line to fill the remaining space on the line. This prevents anyone from adding to the amount.

4. Examples: Putting It All Together

Let’s look at some examples to solidify your understanding:

  • $50.00: Fifty and 00/100
  • $125.75: One Hundred Twenty-Five and 75/100
  • $20.00: Twenty and 00/100
  • $345.99: Three Hundred Forty-Five and 99/100
  • $1,000.00: One Thousand and 00/100

5. Common Mistakes to Avoid

Several common mistakes can lead to check rejection or, worse, potential fraud. Awareness of these pitfalls can help you avoid them.

  • Discrepancies: The most critical error is a discrepancy between the numerical and written amounts. The bank will typically honor the written amount, but this can still cause problems if the amount written is incorrect.
  • Leaving Blank Space: As mentioned, leaving blank space before or after the amounts in either section creates opportunities for alteration. Always fill the space, either with numbers and decimals or with a horizontal line.
  • Incorrect Spelling: Misspelling the written amount is a serious error. Double-check your spelling before submitting the check.
  • Poor Penmanship: While not always a reason for rejection, illegible handwriting can cause confusion and delay processing. Write clearly and legibly.
  • Incorrect Fractions: Always express cents as a fraction over 100.

6. Security Measures: Protecting Your Payment

Beyond simply knowing how to write the amounts, it’s crucial to take steps to protect your checks from fraud.

  • Use a Pen with Permanent Ink: Avoid pens with erasable ink. Permanent ink is more difficult to alter.
  • Consider a Check Protector: A check protector is a device that imprints the amount onto the check, making it more difficult to alter.
  • Store Checks Securely: Keep your checkbook in a safe and secure place, away from prying eyes.
  • Monitor Your Bank Statements: Regularly review your bank statements to ensure that all transactions are authorized and that no fraudulent checks have been cashed.

7. Dealing with Alterations: What Happens if a Mistake Occurs?

Even with the best intentions, mistakes happen. Here’s what you do if you make a mistake when writing the amount:

  • Minor Mistakes: If the mistake is minor (e.g., a misplaced decimal or a small spelling error in the written amount), you can usually correct it by crossing out the error with a single line, writing the correction above it, and initialing next to the correction.
  • Significant Errors: If the error is significant (e.g., a large spelling error or an incorrect numerical amount), it’s generally best to void the check and start over. Write “VOID” prominently across the front of the check and issue a new one.
  • Contact Your Bank: If you suspect fraud or if you’re unsure how to correct a mistake, contact your bank immediately for guidance.

8. The Evolution of Payments: Checks in the Digital Age

While checks are still used, it’s important to acknowledge the rise of digital payment methods.

  • Online Bill Pay: Many banks offer online bill pay services, allowing you to pay bills electronically.
  • Mobile Payment Apps: Apps like Venmo, PayPal, and Cash App provide quick and easy ways to transfer money.
  • Electronic Funds Transfer (EFT): EFTs are commonly used for recurring payments, such as mortgage or rent payments.

9. When to Use a Check: Situations Where Checks are Still Relevant

Despite the prevalence of digital payments, checks remain useful in certain situations.

  • Payments to Individuals: When paying individuals who may not have access to digital payment platforms.
  • Large Transactions: For significant purchases, checks can offer a level of security and documentation.
  • Businesses That Accept Checks: Some businesses, particularly smaller ones, may still prefer checks.
  • Gifts: Checks are sometimes preferred as gifts.

10. Key Takeaways: Mastering the Art of Check Writing

Writing a check correctly is a fundamental skill that requires attention to detail. By understanding the two parts of the “amount” field, practicing precision, and implementing security measures, you can ensure your payments are processed smoothly and securely. Remember to always double-check your work, especially the written amount, and to take steps to protect your checks from fraud.

Frequently Asked Questions

What if I accidentally write the amount in the wrong place on the check?

If you write the amount in the incorrect spot (e.g., in the “memo” field instead of the “amount” field), the check is likely to be rejected. It’s best to void the check and start over.

Can I use a pencil to write the amount on a check?

No, you should never use a pencil to fill out a check. Pencil marks are easily erasable, which could make your check vulnerable to fraud. Always use a pen with permanent ink.

What happens if my bank account doesn’t have enough funds to cover the check?

If your check is presented for payment and your account doesn’t have enough funds, the check will be returned unpaid, also known as “bouncing.” You may incur fees from your bank and the recipient of the check.

Is it okay to use abbreviations when writing the amount?

No, you should not use abbreviations when writing the amount. Always spell out the entire amount in words, and use the full numerical amount in the numerical field. This minimizes the risk of confusion or alteration.

How long is a check valid?

Most checks are valid for six months from the date they are written. After that period, the check may be considered “stale-dated,” and the bank may not honor it. It’s best to cash or deposit a check promptly.

Conclusion

In conclusion, mastering how to write the amount on a check involves understanding the nuances of both the numerical and written sections. Precision, accuracy, and attention to detail are paramount. By following the guidelines outlined in this guide, you can confidently fill out checks, avoid common mistakes, and ensure your payments are processed correctly. While digital payment methods are increasingly popular, the ability to write a check remains a valuable skill, particularly for specific transactions and situations. Remember to prioritize security and double-check your work to protect your financial well-being.