In this digital age, less people are writing checks. Yet it is still needed at times. In this video, we’ll show you how to fill out a personal bank check.
1. First, write the date. You can write the current date. Or if you don’t want them to cash the check until a later date, then you can post-date it. The date format should be month, day, and then year.
2. Write the full name of the payee or recipient. This can be an individual’s first name and then last name, or it can be the name of an organization.
3. In the box, write numerically the amount you want to give. Don’t forget to write a comma for amounts over a thousand – and write a period between the dollars and the cents. This amount should not be more than the funds you have in your checking account. Otherwise when the recipient tries to deposit your check, the bank will not cash or deposit the check. And your bank may charge you a fee for insufficient funds. But you might wonder how you can prevent the recipient from adding an extra digit here …
4. Well on this line, we correctly spell out in words the amount that matches the numbers in the box. For any cents, write them as a fraction over one hundred. Then draw a horizontal line all the way across to the end. This prevents sneaky people from adding to the amount that you wrote.
5. The ‘memo’ line is optional. It’s usually helpful to write a note to remind you later what this check was for. (Man, I need to tell the kids to take shorter baths.)
6. Lastly, sign the check. A check is considered a legal document. Your signature authorizes the bank to pull these funds from your bank account. In fact, without a signature, a bank will not allow the recipient to deposit the check.
Now you know how to write a check. In our next video, we’ll show you hidden security features on bank checks.
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