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How to Write a Check


Not everyone uses checks on a frequent basis, so sometimes it helps to have a refresher on how to fill them out, just to make sure you get it right.

What is a Check?

Checks are a form of paper payment. They are a document that allows a bank to take money from the account of whoever wrote the check, to pay whoever is depositing the check.

Checks are a very useful financial resource. They come with their own unique properties and safety measures that make them a useful money tool to use more often.

How to Write a Check Out

check example

Listed below are all the different fields found on a check. You need to understand the purpose of each section in order to know how to fill each field out properly.

Field #1: Date

In the upper right hand corner you’ll find the date line. Usually you’ll just write the current date, but one of the great things about checks is that you can post-date it. This means you write a future date on the check to ensure it can only be deposited after the date you mark down.

So if you need to pay someone, but need them to wait until payday to deposit the check, you can still hand them the check now and just write a date after payday.

Field #2: Pay to the Order of

This line is where you write the name of who will be receiving the check. This might be the name of a person, or the name of a company or organization. For example, if you’re using a check to pay for groceries, then the name you’ll put here is the name of the grocery store.

Field #3: Dollar Box

In this box, you write the monetary amount of the check in numerals. So instead of writing “one hundred dollars” you write “100.00.”

Field #4: Dollars Line

Then there’s a line with the word “Dollars” at the end of it. Here is where you write the monetary amount of the check in words. So instead of writing “100.00” you write “one hundred and 0/100.”

Field #5: Memo Line

The memo is where you write a note about the check’s purpose. You can fill out this section for your own files, so that the check stub has what the check was used for written down. The memo section can also let the person receiving the check know what the check is meant to be used for.

You don’t have to fill out this section but it can be helpful to not forget why you wrote out the check in the first place.

Field #6: Signature Line

Here is where you sign the check.

Field #7: Numbers

The numbers at the bottom of the check are divided into 3 sections and show 3 different numbers. The first set of numbers is the routing number, the second set of numbers is the account number, and the final, shorter section of numbers is the check ID number for that individual check.

*Keep the check stub and use it for your files. The check stub is the thinner paper copy behind the check that gets written on as you write out the check. This gives you a hard copy of the check you wrote for your own checkbook.

How to Write a Check Amount

So how do you write numbers in words on a check? If you have any questions about how to write your specific amount you can take a look at the chart below. A printable number chart is also available by clicking here.

number to words conversion chart

Let’s quickly go over some frequently asked numbers to words questions:

How to spell 90: ninety

How to write a check for 1,000 dollars: In the Dollar box write, “1,000.00” and in the Dollars line write, “one thousand and 0/100.”

How to write a check for 1,500 dollars: In the Dollar box write, “1,500.00” and in the Dollars line write, “one thousand, five hundred and 0/100.”

How to write a check for 100 dollars: In the Dollar box write, “100.00” and in the Dollars line write, “one hundred and 0/100.”

How to write a check with cents

A lot of people have questions about how to write out cents for a check, but have no worries! This is the easiest part of the check because you can still write the cent amount out in numerals on the Dollars line:

After you write out the dollar amount in words, write “and” and then write the number of cents in numerals over 100. For example, if you want to write a check out for $100.50, you would write on the Dollar line, “one hundred and 50/100.”

How to Balance a Checkbook

checkbook example

In the back of your checkbook there is a check registry—extra pages with a chart to record key information from each transaction. Whenever you write a check, keep the check stub. This will make it easier to fill out the check registry later.

Field #1: Write the date on the check in this column.

Field #2: In the description column write the same thing you would write on the “Pay to the Order of” and the memo line. This column helps you know who you paid and why.

Field #3: In the “Payment/Debit” column write down the amount you paid.

In the Deposit/Credit column record deposits to your own bank account. Keeping track of both payments from your account, and deposits made to your account, will help you keep track of how much is in your bank account at all times.

In the Balance column keep track of your total account balance, adding deposits to your account, and subtracting transactions you’ve paid.

Field #7: Write out the check ID number. It’s the last couple of numbers at the bottom of the check.

Common Questions About Checks

If you don’t use checks very often you probably have more than a few questions about checks and how they work.

What are the fees for cashing checks?

If you cash your check at Check City, then our fees are based on the type of check that is cashed. Our rates start as low as 1.99% for in-state payroll and government checks. That means for payroll and government checks it only cost about $2 per $100.

What information do you need to cash a check?

We have you fill out a quick application and you need a photo ID.

Do I have to wait for the check to clear to get all my cash?

No, once we have verified the check we give you all your money right then.

Is there a limit to the check amount?

No, as long as we can verify it, we can cash it.

When do you use a check?

You can use a check anytime check payments are permitted. If it is a personal transaction, you can always ask the recipient if they are ok with receiving their payment in the form of a check.

Where can I get checks?

You can get checks from almost any bank or credit union where you have an account.

How to write a check to yourself

Sometimes when you need to transfer your own money, you’ll need to write yourself a check to yourself. Writing a check to yourself is super simple. You just write your own name on the “Pay to the Order of” line.

Hopefully checks don’t feel as unfamiliar to you now as they did before reading this article. As you can see, checks are very simple to use, and easy to fill out correctly. You just have to know the purpose of each section on a check and you’re good to go!

Learn more about the benefits of checks, “6 Advantages of Using Checks.”

See how cashed checks can actually help your finances, “Cashed Checks Improve Your Financial Situation.”

6 Advantages of Using Checks

checks are better

Lots of people are still using checks and for good reasons.

Checks actually have their own unique advantages and features that you may be missing out on if you only use cash or cards. Here are the 6 main advantages of using checks:

  1. Checks are safer to mail
  2. Checks can’t be used by thieves
  3. Checks are traceable
  4. Checks aren’t deposited immediately
  5. You don’t need a bank account to cash checks
  6. Checks make budgeting easier

Lots of people are still writing checks. Writing checks may seem old-fashioned, but there are many advantages to writing checks instead of using cash or credit cards. Using cards and cash might be quicker and easier, but checks have features and security that cash and cards just don’t have. Below are some of the main reasons you want to start making good use of checks.

#1: Checks are safer to mail

Sending a check in the mail keeps your money a lot safer than sending cash through the mail. When you have a check inside an envelope it can be very difficult for others to tell there is even a check inside. But if you put cash in an envelope it can be much easier for others to tell there is money inside since bills have their own distinct shape, material, and color.

#2: Checks can’t be used by thieves

Checks are also less attractive to thieves than cash. Checks cannot be cashed by just anyone, and that is too much of a hassle for a thief. Thieves want quick cash and forms of money that are untraceable, and checks are neither of those things. Also, when you carry checks you don’t have to carry cash or cards on you, making you less of a target while you are out.

#3: Checks are traceable

This is another reason why checks are safer than other forms of payment—they’re traceable. When you use a check the bank makes a copy so you can easily prove the payments you’ve made. All the information you would ever need about a payment is also written on your check and the underlying copy. With each check you can know how much you spent, who you paid, when you paid, and even what you were paying for.

#4: Checks aren’t deposited immediately

Another attractive thing about checks is the timing. It usually takes businesses a day or two to actually cash the check that you’ve written for them. This means that you have a day or two to make sure you have the money in your account to cover the check. This can be risky to do, but as long as you handle your checks wisely, then you should be able to use this feature to your advantage.

checks are better

#5: You don’t need a bank account to cash checks

When you get paid through direct deposit you need to have a bank account set up. But if you get paid with checks then you don’t need to use direct deposit or a bank account. If you get paid with checks then you can just cash them, you don’t have to deposit them into a bank account or deal with electronic funds.

Check City offers convenient check cashing services for all of your check cashing needs. If you’ve been paid with a check you can come to any convenient Check City location and get that check cashed immediately. Check City will cash payroll checks, cashier checks, counter checks, government checks, insurance checks, money orders, tax refunds, personal checks, and even out-of-state checks. If you have a check, it is likely that Check City will be able to cash it for you.

#6: Checks make budgeting easier

Every time you write a check you are simultaneously writing your own personal receipt to go along with that purchase. These slips of paper can make budgeting super easy as you can keep those in your checkbook, and at the end of each week or month you can see an overview of all your spending in one convenient place.

Check Cashing with Check City

You may be wondering why you should come cash your check with Check City instead of going to your bank. Well, there are several reasons.

#1: Open Late

One reason is that our locations are open later than almost every bank or credit union. We have extended hours so you can come cash your check after work, or almost whenever you’d like. This makes it so you can get your cash sooner rather than later.

#2: Fast and Easy

Check City also understands how important your money is to you so we want to make sure the process of cashing your check is fast and easy. Our personable staff will make sure your transaction goes through as quickly as possible. As soon as you come in, we’ll be ready to help you and get you on your way.

#3: Low Rates

Check City also offers extremely low rates when it comes to cashing checks. We will not charge you much to cash your check with us, and the convenience of coming to one of our locations greatly outweighs the amount we’ll charge you to cash your check.

You Need:

All you’ll need to come cash your check at one of our locations is your check and your photo ID.

You Do:

All you’ll do is walk into one of our many locations, fill out a quick customer information form, and walk out with your cash in hand. Check City has locations in Utah, Nevada, Colorado, Virginia, and Maryland. At Check City, we want to make sure you get your money when you want it and how you want it. That’s why we offer convenient check cashing services that you are welcome to use anytime.

Cash Business Checks with Check City Too!

Check City also cashes business checks. This means that if people have paid your business in checks you can cash them easily here. In today’s credit driven economy, cash flow management is a challenging task for many small to medium-sized businesses. Check City has provided financial services to the public and its businesses since 1986 and we value the trusting relationship we’ve fostered with our communities ever since. Check City’s Business Check Cashing provides business owners immediate access to working capital by fast tracking the processing of checks to make your business funds available instantly. Cashing business checks at Check City is a great idea because there are 1) NO enrollment fees, 2) NO 3 to 10 day check processing holds, 3) the funds are available instantly, 4) gives your business the freedom to accept checks from your customers, and 5) we have convenient and professional locations.
Don’t waste your time thinking checks are a useless tool of the past. Checks are a useful financial product for personal and business use with their own unique features. Checks also provide a level of security in your transactions that cash does not. So don’t forget about this important tool in your financial arsenal and learn to use checks to their full advantage.

Cashed Checks Improve Your Financial Situation

Direct deposits have taken over as “the” form of payment for employees. It’s expected when starting a job. People think you are nuts if you start asking around for a paper check. There used to be a certain satisfaction that came with walking into a bank after a tough two weeks of work and cashing a paper check. The money felt real, substantial and made you walk with a spring in your step as you walked away.

It’s true that direct deposited checks are convenient, easy to use, and helpful in ensuring your money goes to the right places. But you may be surprised to find that there are actually great benefits in cashing paper checks.

Your Money Becomes Real Again

When you cash a new check, you can see and feel the fruit of your labors. You can count the bills and truly appreciate what you have earned. Appreciation will lead to a sense of responsibility.

When money is deposited directly into your account, it’s easy to swipe your debit card anywhere without worrying much about your final balance at the end of the day. Getting cash helps you manage your money better.

You Save Money With Cheaper Purchases

Many places charge you an extra service fee for the convenience of using a plastic card. They’ll often add a percentage or set dollar amount to your total bill. Gas stations especially enact this policy and you will pay about ten cents more per gallon every time you swipe your card. Paying with cash proves to be a cheaper option in most cases and can greatly decrease your total spending by the end of the year.

You Secure Your Future with an Emergency Fund

No matter how much money you save in the bank, you never know when you will need an emergency fund of cash. Natural disasters, power outages, and other emergencies can leave your bank out of commission at a time that you need it most. Building up an emergency fund of cash can help you get through those troubled times, until you can once again access your bank account.

Cashing checks still offer a tremendous benefit to you as a financial provider. It can help you manage your money more responsibly, save money when making purchases, and help you prepare for any emergency that may come your way. Talk to your employer today about your options and see if you can start receiving paper checks.

Great Tips for Your Beach Trip Packing List

A Day at the Beach

As summer rolls around, there is nothing more appealing than a great day on a nice beach. But with this summer dream, takes a good beach trip packing checklist.

Keeping your beach trip fun, especially when you are bringing your children along will make your beach days some of the fondest memories you have. We are here to help you start building those memories this summer.

You and your kids both deserve to have fun on the beach without the stress of beachside fighting, crying, or discomfort. With the right tools on hand, you can make sure your next day at the beach is fun for you and your children.

Here are a few great tips to help you have a successful beach trip packing list and a great time.

Prepare for the Weather

One of the most important things you need to remember about the beach is that it will likely be hot. If the sun is shining, you have the potential for a perfect beach day, but it can also be a huge problem if you aren’t prepared. You will want to check the conditions at the beach. Make sure that you are setting yourself up for success. If you see that the forecast shows rain, you will probably want to move your beach day.

The most important thing you can do for sun care is to stay hydrated. Hydration can help you avoid sunstroke, fatigue, and general unpleasantness on the beach. It will also ensure that you have the energy you need to accomplish everything you want to do while you are on the seaside.

You also need to bring your sunscreen so you and your kids can be protected from the sun’s rays. You should invest in some good sunscreen, and remember to reapply regularly so your protection doesn’t get washed off in the water.

Finally, an umbrella, or something to help create shade can be an excellent tool to make your trip worthwhile. It can protect you and your kids from the heat and give you both a break from the scorching sun.

Packing a Delicious Feast

If you really want to make the most of your day at the beach, you have to come prepared with great food. Though beach shops can have excellent eats, they can be expensive.

If you are going all out on your beach day, you can certainly hit up the beach shops, but if you want to enjoy your day on a budget, a packed lunch is the best way to go for delicious foods at a great price. Having good food on the beach is great to add on your beach trip packing list.

Remember that the heat of the sun will affect your food as well, so pack accordingly. If you are bringing food that needs to stay at a cool temperature, a cooler is probably your best bet to keep your food fresh.

Beach Activities

Although lounging on the beach can be fun for adults, kids often want a bit more to do. So, while you are planning your next beach outing, don’t forget to give your kids many things to do.

The beach is always a great place to have a sand sculpture contest. Gather your kids and have them each create a beautiful piece of art in the sand. Then give them awards for their work, and have fun looking at each beautiful sand sculpture.

If you are already digging around in the sand, you may as well expand your expedition, and start looking for interesting shells and animals in the sand and water. This can be an exciting venture for you and your kids!

The beach is also a great place to play Frisbee or volleyball. Bring some fun equipment so you and your kids can work in some fitness while you are hanging out on the sand. Beach activities are awesome for a good beach trip packing list.

Once you get to the beach, do not be afraid to play with your kids. Head into the water with them, build a sand castle with them or you can even play games on the dry sand. No matter what you do, make sure you keep an eye on your children and know where they are at all times so you can be sure that they are safe.

Know When to Stop

The best day trips to the beach are those that end on a high note. So when you head out to the seaside with your kids, make sure you know your limits.

Your trip will turn out for the best if you leave before everyone is too tired. This will ensure that everyone is able to have the best time possible, and leave on a great note.

Now you have the tools you need to start planning your next beach trip with your kids today! Keep following the Check City blog for more great ideas.

Protecting Your Skin in the Sun

The weather is getting warmer, and people are starting to spend more time outside. This is overall a good thing—staying active and soaking in the sun has many health benefits. However, since the sun can be so damaging to the skin, contributing to things like skin cancer, you need to protect your skin if you plan on being outside for an extended period of time.
Ever since you were little you (or your parents) probably lathered sunscreen on. After years of well-published research into the dangers of sunburns, most people are aware of the risks and take steps to prevent burning. But of course, it’s easy to let things slip, and sunburns are all too common.
Learning to care for your skin before you spend time in the sun will ensure that your skin is safe while you are enjoying warm weather. So to help you brush up on your skin protection basics, here are the best ways to save your skin from sunburns this summer.

Avoid being outside when sunlight is the most intense

During the hot summer months the sun can get pretty intense. In fact, if you live at a higher elevation your skin can start to burn in as few as 20 minutes during mid-day.
The peak hours during which you are at highest risk for sun damage is from 10 am to 4 pm. It is important during these hours to either stay out of the sun or protect yourself with sunscreen. Even with adequate protection, seek out shade and drink plenty of water.

Shade is your friend

It’s actually still possible to get a sunburn while in the shade (because of reflecting sunlight), but it definitely slows down the process. Shade not only helps protect you from the harmful rays of the sun, it helps you cool down when you might be at risk of heat exhaustion.
On especially hot days, it can be helpful to take frequent breaks from being in the sun. Have your kids come in for snacks, plan inside activities, or if you are out and about in the city, step in an air-conditioned store every 20 minutes or so. This will help keep you cool and protect your skin at the same time. Shade will ensure that your skin is safe while you are enjoying warm weather.

Cover up

Certain parts of the body get sunburnt more often than others. This includes the face (particularly upper cheeks, nose, and forehead), ears, shoulders, and arms. By wearing a wide-brimmed hat and long-sleeved shirt, you can reduce eliminate the risk of sunburn on much of your body. If you’re going to be out in the sun a long time, you may still need sunscreen on your face, since reflected sunlight can still burn your skin.
On hot days it may not be practical to wear a long-sleeved shirt. Just remember to use sunscreen responsibly, and practice cooling techniques so your body doesn’t overheat (such as dabbing your forehead with a wet cloth, drinking plenty of water, and seeking out shade).

Lather sunscreen on you and your children

Sunscreen of at least 15 SPF is a great tool to use for preventing sunburns. You’re never too old to use sunscreen, but babies and young children may require special sunscreen that is hypoallergenic. For infants under 6 months old, the Mayo Clinic recommends keeping them out of direct sunlight and covering them up with protective clothing, rather than using sunscreen.
For best protection, apply sunscreen about 15 minutes before going out into the sun. Re-apply sunscreen regularly throughout the day (at least every 2 hours that you remain in the sun), and be diligent when it comes to hydrating yourself and your children.
If you are going to be getting wet or swimming, then a good water-proof sunscreen will do the trick. Just remember to apply it 15 minutes before getting in the water. If you are wearing a swimsuit, then don’t forget to cover all your skin that is exposed to the sun (which could take a lot of sunscreen).
All it takes is a few sunburns to increase the chances of getting skin cancer. Protect yourself and your children by using sunscreen and protective clothing, and by avoiding being out in the sun during peak sunlight hours.

Get Your Finances Under Control

When you want to get your finances under control, you should be sure that you are wise about the way that you budget. Budgeting is key to minimizing your debt and saving money for the future.  As you are starting to budget you should be sure that you understand how you are going to be realistic and wise throughout the process.  Creating a budget that is unrealistic can be disappointing and discouraging. To ensure that you are realistic with your budget, you should start with the money that you are making in a month’s amount of time.  Then, write out all of the necessary bills that you have.  This should include your food, rent, medication, etc.  These are the costs that you must pay to survive. If these costs exceed the money that you are making you will either need to earn more money or spend less on the necessities.

Take time to find a balance in your budget at this point. After this, you should then add the other costs that you are paying for each month.  Find a way to eliminate the costs that are expensive but are not necessary. As you are figuring out how much money you will allocate to each expense, it may help to only use cash throughout the month. Putting your cash into different envelopes may help you to minimize your spending.  Once your cash runs out, you should not dip into your checking account.

If you need a fast and convenient way to cash your checks, simply stop by Check City after you are given your check. Most Check City locations are open later than the bank and will cash your check. This way, as soon as you get your check you can be sure that you are properly allocating the money that you have earned. As you divide your cash into the right envelopes, be sure that you save some cash to deposit to saving.

When you develop a savings program, you can be sure that you have some extra money in case of an emergency.  This money will help you through any financially difficult times.

Getting your finances under control can help minimize the stress in your day to day life.  Take time to get your finances under control today and head on to a happier and healthier tomorrow.

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