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How To Write A Cheque

Writing a check may seem like a dated practice in the digital age, but it still serves as a reliable method of payment in many circumstances. Whether it’s for a bill, a donation, or an official transaction, knowing how to write a check correctly is an essential skill. So, let’s dive into the world of check writing and discover the ins and outs of this traditional financial process.

When it comes to writing a check, there are a few key elements to keep in mind. First, start by filling out the date on the top right-hand corner of the check. Then, write the name of the payee on the “Pay to the Order of” line. Next, fill in the amount using both numerals and words to prevent any confusion or discrepancies. It’s important to remember to sign your check at the bottom right-hand corner, as this serves as your authorization for the payment. By following these simple steps, you can ensure that your check is written accurately and efficiently.

Understanding the Basics of Writing a Cheque

Writing a cheque is a simple yet essential financial skill. Whether you need to pay a bill or make a payment, knowing how to write a cheque correctly is crucial to ensure that your payment is processed accurately. In this article, we will guide you through the process of writing a cheque step by step, from filling out the necessary information to adding the necessary signatures. By the end, you’ll have a solid understanding of how to write a cheque and can confidently handle various financial transactions.

If you want to dive right into writing a cheque, you can check out this detailed guide on WikiHow that provides additional visuals and examples to help you understand the process better.

Step 1: Fill Out the Date

The first step in writing a cheque is to fill out the date. This step is important as it serves as the reference point for the transaction and helps keep track of payments. It is recommended to use the current date when writing a cheque unless you are post-dating the cheque for a future payment.

To fill out the date, write the day, month, and year in the designated area on the cheque. You can write the date in various formats, such as “dd/mm/yyyy” or “mm/dd/yyyy.” Ensure that the date is legible and accurate.

For example, if today’s date is January 15, 2023, you would write “15/01/2023” or “01/15/2023” depending on the preferred date format.

Remember, the date format may vary depending on your location or the requirements of the organization or individual you are writing the cheque to. It’s always a good idea to confirm the preferred date format with the recipient if you’re unsure.

Step 2: Write the Payee’s Name

The next step is to write the payee’s name on the cheque. The payee is the person or organization that will receive the payment.

On the line labeled “Pay to the Order of,” clearly write the name of the person or organization. Make sure to write the name exactly as it appears, including any spaces or punctuation marks. It’s crucial to be accurate with the payee’s name to ensure that the payment reaches the intended recipient.

If you are writing a cheque to an individual, use their full name. If it’s a company or organization, use the official name stated on their official documents. Avoid using abbreviations or nicknames unless authorized by the payee.

For example, if you’re writing a cheque to John Smith, you would write “John Smith” on the payee line.

If you are writing a cheque to a company, for instance, XYZ Corporation, you would write “XYZ Corporation” on the payee line.

Step 3: Fill Out the Payment Amount in Numbers

After filling out the payee’s name, the next step is to write the payment amount in numbers. This step ensures that the correct amount is withdrawn from the payer’s account.

On the line to the right-hand side of the cheque, write the payment amount using numerals. Start from the left edge of the space to prevent anyone from adding extra digits to the amount. Make sure to write the amount clearly and accurately.

For example, if you are paying $100.50, you would write “100.50” or “100.50” without the quotation marks.

If the payment amount is a round figure, such as $100, you can add “.00” at the end to indicate that there are no cents involved. In this case, you would write “100.00” or “100.00”.

Step 4: Write the Payment Amount in Words

To avoid any confusion or misunderstandings about the payment amount, the next step is to write the payment amount in words.

On the line directly below the payee’s name, write the payment amount using words. Start at the left edge and write the amount in full, including dollars and cents. Fill the entire line to prevent any unauthorized alterations.

For example, if you are paying $100.50, you would write “One hundred dollars and fifty cents” or “One hundred dollars and 50/100” without the quotation marks.

It is important to be precise and avoid making any errors when writing the payment amount in words. If the payment is an even dollar amount, you can write “Only” after the amount to indicate that no cents are involved.

Step 5: Add a Memo (Optional)

While not necessary, you can include a memo or note on the memo line. The memo is a brief description of the purpose of the payment and can serve as a reference for both the payer and payee.

The memo line is usually located in the bottom-left corner of the cheque. You can write a description such as “Rent,” “Utilities,” “Invoice #1234,” or any other relevant information to provide context for the payment.

Adding a memo is particularly helpful when writing a cheque for business purposes or when making a payment that requires additional information for proper tracking.

While it is optional, including a memo can provide clarity and help both parties remember the purpose of the transaction in the future.

Step 6: Sign the Cheque

The final step in writing a cheque is to sign it. The signature on the cheque verifies that the payer authorizes the payment and has sufficient funds in the account to cover the amount.

Sign the cheque on the line located in the bottom-right corner. Use the signature that matches the one you have on file with your bank. Ensure that the signature is legible and matches the name printed on the cheque.

Never sign a blank cheque or provide someone with a pre-signed cheque. Signing a cheque is equivalent to handing over cash, so it is essential to keep the cheque secure until you are ready to give it to the intended recipient.

Frequently Asked Questions

Can I Use a Pen to Write a Cheque?

Yes, you can use a pen to write a cheque. It is recommended to use a pen with indelible ink to prevent alterations or changes to the cheque. Do not use erasable or non-permanent pens, as they can easily be altered or tampered with.

Using a pen ensures the cheque’s security and helps prevent fraud or unauthorized modifications to the payment amount or other details.

It’s a good practice to use a pen when writing cheques to ensure the integrity of the transaction.

What Happens if I Make a Mistake When Writing a Cheque?

If you make a mistake when writing a cheque, such as an incorrect payment amount or a misspelled payee’s name, it is best to void the cheque and start with a new one.

Voiding the cheque involves writing the word “VOID” across the front of the cheque in large, bold letters. This ensures that the cheque is no longer valid and cannot be processed as a payment. The voided cheque should be securely shredded or destroyed.

To avoid confusion, it is essential to use a new cheque and ensure that all the information, including the payment amount and payee’s name, is accurate and correctly written.

If you have already given the incorrect cheque to the payee, contact them immediately and explain the situation. They may ask you to provide a new cheque or make alternative arrangements for the payment.

Can I Cross a Cheque?

Yes, you can cross a cheque to add an additional layer of security. Crossing a cheque involves drawing two parallel lines across the top left corner of the cheque. This signifies that the cheque should only be deposited into a bank account and cannot be cashed directly.

Crossing a cheque helps prevent unauthorized individuals from cashing the cheque and ensures that the payment goes directly to the intended recipient’s bank account.

If you want to cross a cheque, write the words “Account Payee” or “Not Negotiable” between the two parallel lines. This further emphasizes that the cheque should only be deposited.

Can I Post-Date a Cheque?

Yes, you can post-date a cheque by writing a future date on the cheque instead of the current date. However, post-dating a cheque means that the payment will not be processed until the specified date arrives.

Post-dating a cheque is often done when the payer wants to ensure that the funds are in their account on the specified date or to align the payment with a future obligation.

It is important to note that while post-dating a cheque is allowed, it does not prevent the recipient from depositing or cashing the cheque before the specified date. The decision to honor a post-dated cheque before the date mentioned is at the discretion of the recipient’s bank.


Writing a cheque is a relatively straightforward process that requires attention to detail and accuracy. By following the steps outlined in this article, you can confidently write a cheque and ensure that your payments are processed correctly. Remember to use a pen, double-check the payee’s name and payment amount, and sign the cheque using your authorized signature. Additionally, consider crossing the cheque and adding a memo for added security and reference. By mastering the skill of writing a cheque, you can efficiently manage your financial transactions and fulfill your payment obligations with ease.

Frequently Asked Questions

Here are some common questions and answers about writing a cheque.

1. How do I fill out the date on a cheque?

When writing a cheque, it is important to properly fill out the date. Begin by writing the day, followed by the month and year. For example, if today is September 15, 2022, you would write “15th September 2022” in the date field of the cheque.

Make sure to write the date clearly and avoid any abbreviations. This helps prevent confusion and ensures that the cheque can be processed without any issues.

2. How do I write the recipient’s name on a cheque?

When writing a cheque, it is important to accurately write the recipient’s name. Start by writing the full name of the individual or organization you are paying. Make sure to use proper capitalization and avoid any abbreviations.

If you are unsure about the correct name to use, it is best to confirm with the recipient beforehand to avoid any errors or delays in processing the cheque.

3. How do I write the amount in words on a cheque?

When writing the amount on a cheque, it is important to write it in words to avoid any confusion or alteration. Start by writing the currency symbol, such as “$” for dollars or “£” for pounds.

Next, write the amount in words using capital letters and hyphens between the words. For example, if the amount is $500, you would write “Five Hundred Dollars” on the cheque.

4. How do I write the amount in numbers on a cheque?

In addition to writing the amount in words, you also need to write it in numbers on a cheque. Start by writing the numerical amount in the appropriate box provided on the cheque. For example, if the amount is $500, you would write “500.00” in the box.

Make sure to include the decimal point and two decimal places, even if the amount does not have any cents. This ensures accuracy and prevents any potential confusion.

5. How do I sign a cheque?

Signing a cheque is a crucial step in ensuring its validity. Sign the cheque on the line provided, using your usual signature. Make sure to sign in the same way you have signed other official documents, as consistency is important.

It is important to keep your signature consistent to prevent any issues with the cheque being accepted or processed. Never sign a blank or incomplete cheque, as it can be easily misused.

Writing a cheque is a simple process that allows you to make a payment using paper and pen. To write a cheque, start by filling out the date on the top right corner. Then, write the recipient’s name on the “Pay to the order of” line. Next, fill out the amount in both numbers and words, making sure they match. Sign your name on the bottom right corner, and add any necessary details, such as a memo, in the memo line. Finally, keep a record of the cheque in your checkbook register for future reference.

Remember to use clear handwriting and avoid mistakes or corrections on the cheque. Double-check all the details to ensure accuracy. Writing a cheque is a valuable skill that allows you to make payments securely and keep track of your expenses. With these simple steps, you can confidently write a cheque whenever you need to make a payment.

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