How To Write Amount In Words On A Check: A Comprehensive Guide
Writing a check might seem like a relic of the past in our increasingly digital world, but it remains a crucial skill for many, especially when dealing with certain businesses or financial situations. One of the most critical aspects of filling out a check correctly is writing the amount in words. This guide will walk you through the process step-by-step, ensuring you can confidently and accurately fill out this essential part of a check.
Understanding the Importance of Writing Amounts in Words
Why is it so important to write the amount in words, alongside the numerical value? The primary reason is security. Including the written amount provides an extra layer of protection against fraud. If someone were to alter the numerical amount, the written amount acts as a safeguard, helping to prevent unauthorized transactions. Banks prioritize the written amount, and it’s the one they’ll likely use to determine the check’s validity.
Step-by-Step Guide: Writing the Amount in Words
Now, let’s break down the process. Follow these steps to master writing the amount in words on a check.
1. Locate the “Amount in Words” Line
Most checks have a dedicated line for writing the amount in words. This line is usually located just below the “Pay to the Order of” line and often has a specific length designed for this purpose. It’s usually a long line running from left to right.
2. Start at the Beginning: The Dollar Amount
Begin by writing the dollar amount in words. Start at the beginning of the line, using a capital letter for the first word. For example, if the check is for $150, you would start by writing “One hundred fifty…”
3. Add the “and” and the Cents
Next, write “and” to separate the dollar amount from the cents. If there are no cents, you can write “and No/100”. If there are cents, convert them into a fraction over 100. For example:
- For $150.00: “One hundred fifty and No/100”
- For $150.25: “One hundred fifty and Twenty-five/100”
- For $150.78: “One hundred fifty and Seventy-eight/100”
Always spell out the cents as fractions. Never use decimal points.
4. Capitalization and Spacing
- Capitalize the first word of the amount.
- Use lowercase for the rest of the words, unless it’s a proper noun.
- Leave no extra space between the words. For example, write “twentyfive” not “twenty five”.
- Write the words as close together as possible to prevent anyone from adding extra words.
5. Fill the Remaining Space
After writing the amount, it’s crucial to fill the remaining space on the line with a long horizontal line. This prevents anyone from adding extra words or digits to the amount. Draw the line from the end of the amount in words all the way to the end of the line provided.
Common Examples of Writing Amounts in Words
Let’s look at a few examples to solidify your understanding:
- $50.00: “Fifty and No/100”
- $125.30: “One hundred twenty-five and Thirty/100”
- $7.00: “Seven and No/100”
- $2500.99: “Two thousand five hundred and Ninety-nine/100”
- $10000.00: “Ten thousand and No/100”
Avoiding Common Mistakes
Several common errors can invalidate a check or cause confusion. Be sure to avoid these pitfalls:
- Incorrect Fractions: Always write cents as a fraction out of 100. Avoid using decimals.
- Leaving Space: Leaving a gap between the amount and the end of the line is a major security risk. Always fill the remaining space with a line.
- Incorrect Spelling: Double-check your spelling, particularly for numbers like “forty,” “fifty,” and “ninety.”
- Lack of Consistency: Ensure the written amount matches the numerical amount. Any discrepancies can cause the check to be rejected.
Best Practices for a Secure Check
Beyond writing the amount in words, consider these additional security measures:
- Use a Blue or Black Pen: These colors are more permanent and harder to alter than lighter colors.
- Write Clearly: Make your handwriting legible to avoid any ambiguity.
- Date the Check: Always include the current date.
- Payee Name: Correctly spell the name of the person or business you are paying.
- Sign the Check: Don’t forget to sign your check!
The Evolution of Checks and Their Continued Relevance
While digital payments are on the rise, checks still have their place. Businesses often use them for specific transactions, and they can be a necessary form of payment in certain situations. Knowing how to write a check properly remains valuable.
Handling Fractions and Unusual Amounts
Dealing with amounts that include fractions of a cent can seem tricky, but the core principle remains. Round to the nearest cent, and write the cent amount as a fraction of 100. For example, if the amount is $123.456, round it to $123.46 and write “One hundred twenty-three and Forty-six/100.”
Frequently Asked Questions
Here are some frequently asked questions to further clarify the process:
How do I handle amounts that are whole numbers? Simply write “and No/100” after the dollar amount. For example, for $100, write “One hundred and No/100.”
Is it okay to use abbreviations when writing the amount in words? No. Always spell out the entire amount in words. Abbreviations can lead to confusion and potential fraud.
What if I make a mistake? If you make a mistake while writing the amount, it’s best to void the check and start over. Don’t try to correct it.
Can I use a check-writing machine? Yes, check-writing machines are designed to write the amount in words and can be helpful if you write a lot of checks. However, you still need to understand the principles.
What if the written amount and the numerical amount don’t match? The bank will typically honor the written amount. This is why it’s so critical to ensure the two amounts match.
Conclusion: Mastering the Art of Check Writing
Writing the amount in words on a check is an essential skill that combines financial security with accuracy. By following the steps outlined in this guide, you can confidently navigate this process, ensuring your checks are filled out correctly and securely. Remember to prioritize clarity, precision, and security in every check you write. Mastering this skill empowers you to handle various financial transactions with confidence and integrity.