To correctly write the money amount on a check, you must fill it in two distinct places: numerically in a small box and in words on a designated line, ensuring both amounts match for clarity and security.
Understanding the Two Amount Fields
A check requires the amount to be entered twice to prevent fraud and provide a clear record of the payment. These two fields serve as cross-references, with the written-out amount taking legal precedence in case of a discrepancy.
Writing the Numerical Amount (The Dollar Box)
The numerical amount is typically written in a small box located towards the right side of the check, often preceded by a dollar sign ($).
- Locate the Box: Find the small box usually positioned to the right of the "Pay to the order of" line.
- Enter Numerals: Write the dollar amount using digits, including the decimal point for cents.
- Example: For one hundred thirty dollars and forty-five cents, you would write $130.45.
- Example: For fifty dollars, you would write $50.00.
- Accuracy: Double-check that this numerical amount is exact, as it's the first indication of the payment value.
Writing the Word Amount (The Amount Line)
The word amount is written on the long line below "Pay to the order of" and is crucial for confirming the payment value.
On the line below “Pay to the order of,” write out the dollar amount in words to match the numerical dollar amount you wrote in the box.
- Dollars in Words: Begin by writing the whole dollar amount in words.
- Example: For $130.45, start with "One hundred thirty."
- Example: For $50.00, start with "Fifty."
- Connect with "And": Use the word "and" to separate the dollar amount from the cents.
- Cents as a Fraction: Write the cents amount as a fraction over 100. This is a standard practice that clearly indicates the fractional part of a dollar.
- Example: If your numerical amount is $130.45, you would write "one hundred thirty and 45/100."
- Example: For $7.89, you would write "seven and 89/100."
- Example: For whole dollar amounts like $50.00, write "fifty and 00/100."
- Fill Remaining Space: After writing the full amount, draw a horizontal line through any remaining blank space on the amount line. This prevents anyone from adding extra words or numbers to alter the check's value.
Step-by-Step Guide to Writing the Money Amount
Following these steps ensures accuracy and security when filling out a check:
- Identify the Recipient: Write the name of the person or organization receiving the payment on the "Pay to the order of" line.
- Enter Numerical Amount: In the small box, write the exact dollar amount in numbers (e.g., "$130.45").
- Write Dollar Amount in Words: On the long line below the recipient's name, write out the whole dollar amount in words (e.g., "One hundred thirty").
- Add "And" and Cents Fraction: Immediately after the dollar words, add "and," followed by the cents amount written as a fraction over 100 (e.g., "and 45/100").
- Secure the Line: Draw a line from the end of the written amount to the "Dollars" print on the far right to prevent unauthorized additions.
- Sign the Check: Sign your name on the signature line at the bottom right.
Common Mistakes to Avoid
- Mismatching Amounts: Ensure the numerical amount exactly matches the written-out amount. If they differ, banks typically default to the written amount.
- Leaving Blank Spaces: Always fill in any remaining space on the amount line with a horizontal line.
- Incorrect Spelling: Double-check the spelling of number words to avoid confusion.
- Forgetting "and": Always include "and" between the whole dollar amount and the cents fraction.
For further information on writing checks and maintaining financial security, you can refer to resources from reputable financial institutions, such as Chase Bank's guide to writing a check or other financial literacy websites.
