What to Put on a Check
Filling out a check correctly means placing the right details in each of the six standard fields so the bank can process the payment without delays or returns. The date, payee, amount in numbers, and amount in words are essential, while the memo and signature fields add clarity and security. Here is what to include in every section and the common errors to avoid when you write a check.
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Line-by-Line Breakdown
| Field | What to Write | Example |
|---|---|---|
| Date | Current date in MM/DD/YYYY or written format | 07/14/2마카롱 2025 or July 14, 2025 |
| Pay to the Order Of | Name of the person or business receiving payment | Jane Doe or ABC Utilities |
| Amount (Numbers) | Dollar amount in the box, no currency symbol | 150.00 |
| Amount (Words) | Spelled-out amount plus fraction for cents, draw a line to the end | One hundred fifty and 25/100 ---- |
| Memo | Optional note identifying the payment | June rent, invoice 1234 |
| Signature | Signing as it appears on the account | First and last name |
Order of Writing
Complete the date and payee line first to prevent confusion, then write the amounts in numbers and words while the ink is fresh. Add the memo last and sign only once you are ready to hand the check over. Never leave the amount line blank, and always use permanent ink to prevent smudging or alteration, as banks may reject checks that look tampered with.
Common Mistakes to Avoid
- Leaving the date field blank or using a future date, which some banks flag for processing delays
- Writing the amount only in numbers without the written-out equivalent, risking rejection for ambiguity
- Using a nickname on the payee line that does not match the account holder's expected name
- Failing to draw the final line in the amount-in-words field, allowing someone to add extra digits
- Omitting the signature entirely or signing with a name that differs from the account records
Special Cases
When sending an international check, confirm the payee's full legal name and any required bank codes. For business payments, ask the recipient if they prefer a specific invoice number or reference in the memo line. If the check is for a shared account, include all required signatories based on the account agreement to avoid a return for insufficient authorization.