In today's digital age, where contactless payments and online banking are everywhere, writing a check might feel a bit outdated. But even though electronic transactions are the go-to for most situations, there are still times when knowing how to write a check is necessary—or just more convenient.
This guide will cover everything you need to know—from how to properly write a check to figuring out who signs the back and where. We'll also get into more advanced topics, like how to endorse a check with two names, how to send a check in the mail safely, and how to make sure a check is valid.
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How to write a check: Everything you need to know
Writing a check might seem straightforward, but there are a few key details that ensure it's done right and legally.
How to write a date on a check?
In the upper right-hand corner of the check, you’ll see a line for the date. Just write the current date, typically in the format “MM/DD/YYYY.”
The date is important because it indicates when the check was written and can also affect when it can be cashed or deposited. Avoid post-dating a check (writing a future date), as banks are not obligated to honor the check if it's presented before that date.
Who is the payee on a check?
The payee is the person or organization receiving the payment. Write their full name or the business name clearly on the line labeled “Pay to the Order of.”
Make sure to spell it correctly and avoid using nicknames or abbreviations to prevent any issues when the payee tries to cash or deposit the check.
Who is the drawer on a check?
The drawer is the person or entity who writes and signs the check, authorizing the bank to pay the specified amount to the payee. (Think of it this way: You are the one drawing money from your account, to pay another person or business.)
How to write the amount in words and numerals?
Below the payee’s name, you’ll see a line where you will need to write out the check amount in words—a step that helps prevent fraud and errors. You’re basically stating it twice, in two different ways, to avoid confusion.
Start at the far left of the line, writing the dollar amount in words (e.g., “One hundred twenty-five dollars”) and then adding “and” followed by the cents amount in fractional form (e.g., “50/100”). If the check has no cents, you can write “and 00/100” or just “and no cents.”
How to write a check with cents?
In the box on the right-hand side of the check, you’ll enter the amount of the check in numerals. Write the dollars and cents clearly, separating them with a decimal point. For example, write “125.50” for one hundred twenty-five dollars and fifty cents.
What is the memo line on a check?
The memo line, located in the bottom left corner of the check, is a space where you can note the purpose of the check, such as “July Rent” or “Invoice #1234.” While this line is not mandatory, it can help both you and the payee keep track of the payment’s purpose. It can be used, for example, when sending it as a gift—you can write “Happy Birthday.”
Where do you sign a check?
The signature line is found at the bottom right of the check and you must sign your name exactly as it appears on your bank account.
Your signature authorizes the bank to release funds from your account to the payee. In case your bank requires it, use the same signature you provided when you opened the account. If you don’t sign the check correctly, it might be considered invalid and the payee will not be able to cash or deposit it.
Endorsing a check
Endorsing a check is an essential step when cashing or depositing it because it verifies the identity of the person or entity receiving the funds and determines how the check can be used.
Who signs the back of a check?
The person or entity listed as the payee on the front of the check must sign the back to endorse it. In other words, if someone pays you by check, you’re the one to sign the back.
When you flip over the check to sign it, you’ll turn it on its end so that the long side is vertical, not horizontal. This signature is typically placed near the top of the check in the designated endorsement area—usually a blank section with lines that say “Endorse Here” or “Do Not Write Below This Line.” Make sure to sign within the given area to avoid any processing issues.
What to write on the back of a check
What you write on the back of the check will depend on the type of endorsement you choose.
- Blank endorsement: A blank endorsement is the simplest type, where the payee simply signs their name on the back of the check. This method is common but risky because once signed, the check can be cashed or deposited by anyone who holds it. Use this endorsement only when you are at the bank or ATM ready to deposit or cash the check.
- Restrictive endorsement: For added security, you can use a restrictive endorsement by writing “For Deposit Only” followed by your bank account number above your signature. This way, your check can only be deposited into the specified account, reducing the risk of theft or fraud.
Can you endorse a check to someone else?
Yes, you can endorse a check to someone else, allowing them to deposit or cash it. This process is known as a special endorsement. It allows you to sign the check over to another person or entity, transferring the check’s ownership to the new payee. Simply write “Pay to the Order of [New Payee’s Name]” and then sign your name below.
How to endorse a check with two names?
When a check is made out to two people, the endorsement process can vary depending on how the names are written. “John Doe and Jane Doe” requires both parties to sign the back of the check, while “John Doe or Jane Doe” allows either party to sign. If you’re unsure, it’s safest for both parties to sign the check to avoid any issues during deposit or cashing.
Depositing a check
Once you’ve endorsed your check, the next step is to deposit it. You can do it by mailing the check, depositing it at an ATM, using mobile deposit through your bank’s app, or visiting a bank or credit union in person.
Can you cash a check at an ATM?
Yes, you can cash a check at an ATM, but this service depends on your bank’s policies and the type of ATM you use. Some ATMs allow you to withdraw cash immediately after depositing the check, but this typically only applies if the check is from the same bank or if you have a long-standing account with sufficient funds to cover the check. Otherwise, the funds may not be available until the check clears.
Where can you cash a check for free?
You can cash a check for free at the bank that issued the check (the bank’s name is usually printed on the check). Many banks also offer free check cashing for their own customers. Another option is certain retail stores like Walmart, which offer check-cashing services, though they may charge a small fee. Credit unions are another option, especially if you’re a member.
Is it safe to mail a check?
Mailing a check can be safe if you take proper precautions. To reduce the risk of theft or loss, consider using a security envelope, which conceals the contents. You can also send the check via certified mail, which provides tracking and requires a signature upon delivery.
Is using mobile deposit through the bank's app an option?
Mobile deposit is one of the most convenient ways to deposit a check. Simply endorse the check, open your bank’s mobile app, and select the deposit option. You’ll be asked to take a photo of both the front and back of the check. Once submitted, the funds are usually available within a day or two, depending on your bank's policies. This method saves you a trip to the bank and allows you to deposit checks from anywhere.
How long do you have to deposit a check?
Technically, there’s no strict deadline for depositing a check, but banks often have policies on how long they’ll honor a check after its issue date. The standard timeframe is six months, after which a check becomes “stale-dated” and the bank might refuse to cash or deposit it without confirmation from the issuer.
Can you deposit a check with a future date?
Depositing a check with a future date, known as a postdated check, is generally not recommended. Most banks process checks as soon as they are deposited, regardless of the date written on them. This could cause issues if the account doesn’t have sufficient funds when the check is processed. Some banks may reject a postdated check, while others might process it immediately, so it’s best to deposit it on or after the written date to avoid any complications.
Handling bounced checks
Dealing with bounced checks can be a frustrating experience, but understanding the process and knowing what steps to take can help minimize the impact.
How do you know if a check bounced?
If a check bounces, you'll usually be notified by your bank through mail, email, or your online banking platform. This means the check was returned due to insufficient funds in the payer's account.
What happens when a check is returned?
When a check is returned, your bank may charge you a fee, and the person who wrote the check might also face penalties. Additionally, the funds you expect won't be credited to your account, which can lead to overdrafts if you have payments relying on those funds.
If a check bounces, will the bank try again?
If a check bounces, the bank typically will not try to process it again automatically. If you want the bank to try again, you would need to redeposit the check, but this can only be done if the issuer has addressed the issue of insufficient funds or other problems that caused the check to bounce in the first place.
How long does it take for a check to bounce?
The time it takes for a check to bounce can vary, but it typically happens within a few days of depositing the check. Sometimes, it might take longer depending on the bank's processes, but most bounced checks are identified within five business days.
Verification and validity
Let's break down common questions about check verification and validity:
How to verify a check?
To verify a check, you can contact the bank that issued it by calling the number listed on it. You can also verify it by inspecting security features, such as watermarks or special ink. However, the most reliable method is to wait for the check to clear in your bank account.
Can you print a check?
Yes, you can print checks at home using special check-printing software and blank check paper. However, be aware that some banks may be cautious about accepting printed checks, so it's important to follow all necessary guidelines to ensure the check is valid.
Stolen or lost check: what to do?
If you lose a check, you should contact the issuer immediately and request a replacement. Additionally, inform your bank to put a stop payment order on the lost check to prevent it from being cashed by someone else.
Even though you might not use checks every day, you'll be all set with check writing. Whether you're paying rent, settling a debt, or sorting out business finances, with these steps you'll be managing those paper payments like a pro in no time.