How to Write 35 Dollars on a Check: A Comprehensive Guide

Let’s face it, writing a check might seem like a relic of the past in our digital world. However, it’s still a necessary skill, and knowing how to fill one out correctly, particularly the amount, is crucial. Misunderstandings can lead to delays, returned checks, and even financial headaches. This guide provides a comprehensive, step-by-step approach to writing “35 dollars” on a check, ensuring accuracy and clarity.

Step 1: Understanding the Anatomy of a Check

Before we dive into the specifics of writing $35, let’s familiarize ourselves with the various sections of a standard check. Knowing where each piece of information goes is the foundation of writing a correct check.

  • Date: This is typically located in the top right corner.
  • Payee: The name of the person or business you are paying. This goes on the line that begins with “Pay to the order of.”
  • Amount in Numbers: The numerical amount of the payment. This is usually on the right side, indicated by a dollar sign ($).
  • Amount in Words: This is where you write out the amount in words. This is the focus of this article!
  • Memo/For: This section is for a brief description of what the payment is for.
  • Signature: Your signature, which authorizes the payment.

Step 2: Writing the Numerical Amount: The Easy Part

Let’s start with the easy part: writing the numerical amount. In the designated space, usually to the right of the check, you simply write “$35.00”. The “.00” signifies that there are no cents involved. Always include the decimal and the zeros.

Step 3: Mastering the Written Amount: “Thirty-Five Dollars”

This is where the real precision comes in. You must write the amount in words in the line provided, typically beginning with a space that often includes a line or a box. For writing “35 dollars,” here’s the correct format:

Write “Thirty-Five” at the beginning of the line. Then, complete the amount with " and 00/100" at the end of the word amount. This is crucial. The “and 00/100” signifies that there are no cents.

The complete written amount on the check should look like this: Thirty-Five and 00/100

Step 4: Adding the Dollar Sign and Cents (If Applicable)

While writing “35 dollars” is straightforward, what if you needed to write an amount that included cents? Let’s say the amount was $35.75.

In that case, the written amount would be: Thirty-Five and 75/100

The “75/100” represents the cents.

Step 5: Essential Tips for Accuracy and Clarity

  • Start at the Beginning: Always begin writing the amount as close to the beginning of the line as possible. This helps prevent anyone from adding to the amount later.
  • Use Dashes or Lines: Draw a line or a dash after the written amount to fill the remaining space on the line. This is another security measure.
  • Double-Check Everything: Before signing the check, carefully review all the information, especially the numerical and written amounts, the payee’s name, and the date.
  • Write Legibly: Ensure your handwriting is clear and easy to read. This minimizes the chance of errors.
  • Use a Pen: Always use a pen, preferably black or blue ink. Avoid pencils, as they can be easily erased.

Step 6: Addressing Potential Errors and Corrections

Mistakes happen! If you make a mistake while writing a check, don’t try to erase or scratch it out. This can raise suspicion and potentially lead to the check being rejected.

  • Voiding a Check: The best course of action is to write “VOID” clearly across the face of the check. Then, you can issue a new check with the correct information.
  • Documenting the Void: Keep a record of the voided check, noting the check number and the reason for voiding it. This helps with your record-keeping and reconciliation.

Step 7: Security Measures and Preventing Fraud

Check fraud is a real threat. Here are some tips to protect yourself:

  • Secure Your Checks: Store your checkbook in a safe place and keep it out of sight.
  • Monitor Your Account: Regularly review your bank statements to identify any unauthorized transactions.
  • Be Careful with Whom You Share Information: Don’t share your bank account details or check information with untrusted sources.
  • Consider Check Security Features: Many banks offer checks with security features, such as watermarks and microprinting, to deter fraud.

Step 8: Common Mistakes to Avoid When Writing a Check

Avoiding common errors can save you time and potential financial problems.

  • Incorrect Numerical Amount: Always double-check the numerical amount to avoid errors.
  • Incorrect Written Amount: The written amount is crucial. Ensure it precisely matches the numerical amount.
  • Spelling Errors: Spelling mistakes in the payee’s name or the written amount can cause delays or rejection of the check.
  • Incomplete Information: Make sure you fill in all required fields, including the date, payee, numerical amount, written amount, memo, and signature.
  • Leaving Blank Spaces: Always fill the entire line of the written amount with the number, so no one can change it.

Step 9: The Evolution of Payment Methods Compared to Checks

While checks are still used, the payment landscape has changed dramatically. Understanding these changes is important.

  • Online Banking and Bill Pay: Many people now pay bills and transfer money online, reducing the need for checks.
  • Electronic Funds Transfers (EFTs): EFTs are becoming increasingly common for payments and direct deposits.
  • Mobile Payment Apps: Apps like Venmo and PayPal offer convenient ways to send and receive money.
  • Credit and Debit Cards: Cards are widely accepted and offer a streamlined payment experience.

Step 10: Why Checks Still Matter and When to Use Them

Despite the rise of digital payments, checks still have a place.

  • For Certain Businesses: Some businesses may still prefer checks.
  • For Large Transactions: Checks can be a good option for significant purchases.
  • Record Keeping: Checks provide a physical record of your payments, which can be helpful for budgeting and tracking expenses.
  • Lack of Digital Access: In some situations, digital payment methods may not be readily available.

FAQs:

What happens if I make a mistake writing the dollar amount?

The best course of action is to void the check and issue a new one. Write “VOID” clearly across the face of the check.

Is it okay to use a pencil to write a check?

No, it’s best to use a pen, preferably black or blue ink. Pencils can be erased, which can lead to fraud.

What if my handwriting is bad?

Try to write as legibly as possible. If your handwriting is consistently difficult to read, consider using a check-writing machine.

How can I prevent someone from altering the amount on my check?

Write the amount as close to the beginning of the line as possible and draw a line to fill the remaining space.

Can I write fractions of a cent on a check?

No, you can’t. Check amounts are written to the nearest cent, so you would write 00/100 for any cents.

Conclusion: Mastering the Art of Writing a Check

Writing “$35 dollars” on a check, or any amount for that matter, is a straightforward process when you understand the basics. This guide has provided a comprehensive overview, from understanding the check’s anatomy to mastering the written amount, implementing security measures, and avoiding common pitfalls. Although digital payment methods are prevalent, understanding how to write a check remains a useful skill. By following these steps and tips, you can confidently and accurately complete this task, ensuring your transactions are handled correctly. Remember to always double-check your work and prioritize accuracy to avoid any potential financial complications.