Step 1: Date the Check
Always begin by dating your check. Write the current date on the line in the top right-hand corner. This is vital for both you and the recipient, clearly indicating when the check was written and when it can be cashed or deposited.
This helps the bank and the recipient know when the check was issued. Banks typically honor checks for six months (180 days).
Step 2: Who is the Check For? (Payee)
On the 'Pay to the order of' line, clearly write the full name of the person or company you're paying. Accuracy here is essential to ensure the check reaches the intended recipient.
If you don't know the exact name, you can write 'Cash,' but be aware of the risks. Anyone holding a check made out to 'Cash' can cash it.
Step 3: Write the Payment Amount in Numbers
In the small box on the right side of the check, write the numerical dollar amount you are paying (e.g., $130.45). Be precise; this is the amount the bank will use to process the transaction.
Ensure the numbers are legible to avoid any processing errors or delays. Clear numbers are crucial.
Step 4: Write the Payment Amount in Words
On the line below 'Pay to the order of,' write out the dollar amount in words. For instance, for $130.45, write 'one hundred thirty and 45/100.' This reinforces the numerical amount and helps prevent fraud.
Fill the entire line, starting at the left and drawing a line to the right after your words, to prevent alterations. Always include 'and 00/100' for round amounts to clarify.
“Always date your check and write the payment amount in both numbers and words to help ensure your check is processed correctly.
Huntington Bank
Step 5: Memo: Add a Note (Optional)
The 'Memo' line is for your reference. It helps you remember what the check was for. Common uses include noting an electric bill, rent payment, or account number.
For bill payments, include your account number as requested by the company. This facilitates accurate processing.
Check Writing Resources
Explore Additional Tools & Information
Open a Checking Account
Find the right checking account with Huntington, including options with no monthly fees.
Reorder Checks Online
Easily reorder your checks through Huntington's online portal or mobile app.
Find Your Routing Number
Learn how to locate your routing number for direct deposits and other transactions.
Step 6: Sign the Check
Sign your name on the designated line in the bottom right-hand corner. This signature confirms your authorization for the payment. Use the signature you registered with your bank.
Your signature is your confirmation of the payment amount and the payee.
Balancing Your Checkbook
Regularly balance your checkbook to track transactions and detect errors. This is still useful despite digital banking.
Record all transactions, including checks, ATM withdrawals, and deposits. Reconcile your bank statement monthly by comparing it to your check register to identify any discrepancies.
“To protect yourself from potential fraud, use black or blue ink to write your checks.
Huntington Bank
Reordering Checks
Need more checks? Reordering is easy! You can order checks online, via the Huntington Mobile app, by phone, or at a Huntington branch.
Ensure you have a convenient method for ordering checks to avoid delays in your bill payments.
FAQs Frequently Asked Questions
How do you write a check with cents? Put the cents amount over 100. For example, if you're paying $236.79, write 'two hundred thirty-six and 79/100.' Always include '00/100' for round numbers (e.g., $5,250.00 should be written as 'five thousand two hundred fifty and 00/100').
How do I correct a mistake on a check? Void the check by writing 'VOID' clearly across the face or in all key areas. Record the voided check number in your checkbook.
Do checks expire? Personal checks typically expire after six months (180 days).
How do I endorse a check to someone else? Sign your name on the back of the check in the endorsement section and write 'Pay to the order of' followed by the new recipient's name.
How do I deposit a check? You can deposit checks through your bank's mobile app, at an ATM, or at a branch. For mobile deposits, follow the app's instructions. At a branch, endorse the check and present it to a banker. At Huntington, you have multiple options.