How To Write Amount On Check In Words: A Comprehensive Guide
Writing a check might seem like a relic of the past in our increasingly digital world, but it remains a necessary skill. One of the most important parts of filling out a check is writing the amount in words. This prevents alteration and ensures the correct amount is paid. This guide provides a comprehensive walkthrough on how to write the amount on a check in words, covering everything from the basics to handling cents and complex amounts.
Understanding the Importance of Writing Out the Amount
Before diving into the specifics, it’s crucial to understand why writing the amount in words is so important. This isn’t just a formality; it’s a critical security measure. Writing the amount in words serves as a primary defense against fraud. If someone tries to alter the numerical amount, the written amount acts as a control. Banks will usually honor the written amount over the numerical amount if there’s a discrepancy. This is why it’s vital to learn this skill properly.
Step-by-Step Guide: Writing the Dollar Amount
Let’s break down the process of writing the dollar amount on a check. This is the foundation upon which everything else is built.
Start with the Dollar Value
Begin by writing the dollar amount in words. This is the part before the decimal point on your check. For example, if the check is for $100.00, you would start by writing “One Hundred”.
Use Capitalization for Clarity
While not strictly required, using capitalization for the words representing the dollar amount helps with readability and reinforces the importance of the amount. For example: “One Hundred” is preferable to “one hundred”.
Separate Dollars and Cents
After writing the dollar amount, you’ll need to account for the cents, as explained in the next section.
Handling Cents: A Guide to Writing Fractions of a Dollar
Cents require a slightly different approach than whole dollar amounts. Here’s how to handle them correctly.
The “And” Connection
After writing the dollar amount in words, always add the word “and” before the cent amount. For example, if the check is for $100.50, you would write “One Hundred and”.
Writing the Cent Value
Next, write the cent value as a fraction of a dollar. This is where things can get a little tricky.
- For amounts under a dollar: Write the cent amount followed by the word “cents.” For example, for $0.75, you would write “Seventy-Five cents.”
- For amounts with both dollars and cents: Write the cent amount followed by the word “cents” and a slash. For example, for $100.50, you would write “One Hundred and Fifty cents / 100”.
The Importance of the “Over / 100”
The fraction “/100” is crucial. It signifies that the cents are a portion of one hundred, representing a dollar. This reinforces the value and prevents alteration.
Formatting Complex Amounts: Thousands, Millions, and Beyond
Dealing with large sums requires a bit more care in formatting.
Handling Thousands
When the amount reaches the thousands, use the word “Thousand”. For example, for $1,000.00, you would write “One Thousand”. Ensure proper spacing between the words.
Dealing with Millions
Similarly, use “Million” for amounts in the millions. For example, for $1,000,000.00, you would write “One Million”.
Combining Different Denominations
When you have a combination of thousands, hundreds, and cents, be meticulous with your word choice and spacing. For example, for $1,250.75, you would write “One Thousand Two Hundred Fifty and Seventy-Five cents / 100”.
Common Mistakes to Avoid When Writing Check Amounts
Even experienced check writers can make mistakes. Here are some common pitfalls and how to avoid them.
Leaving Gaps or Spaces
Leaving spaces between words or numbers invites alteration. Fill the entire line with words, using a line to connect the words and prevent anyone from adding extra words or numbers.
Incorrect Spelling
Spelling errors are not only unprofessional but can also cause delays or issues with the check clearing. Double-check your spelling, especially with numbers like “forty,” “ninety,” and “seventy.”
Missing the “And”
Forgetting the “and” before the cent amount is a common mistake. This can lead to confusion and potentially invalidates the check.
Incorrect Fraction for Cents
Always remember to use the fraction “/100” after the cent amount to clearly indicate the cents are a fraction of a dollar.
Practical Examples: Putting It All Together
Let’s look at a few examples to solidify your understanding.
- $50.00: Fifty and 00/100
- $125.32: One Hundred Twenty-Five and Thirty-Two cents / 100
- $1,500.00: One Thousand Five Hundred and 00/100
- $2,750.85: Two Thousand Seven Hundred Fifty and Eighty-Five cents / 100
- $10,000.00: Ten Thousand and 00/100
Tools and Resources to Help You
While practice is the best teacher, several tools can assist you.
Online Check Amount Converters
Several websites offer online check amount converters that automatically translate numerical amounts into written words. These can be helpful for double-checking your work.
Printable Check Templates
If you’re new to writing checks, using a printable check template can help with formatting and ensure you have all the necessary fields.
Practice, Practice, Practice
The more you practice, the more comfortable you’ll become. Try writing out amounts for various scenarios to build your confidence.
Frequently Asked Questions (FAQ)
Here are some frequently asked questions to further clarify the process:
Is it okay to use abbreviations when writing the amount on a check?
No, it’s best to avoid abbreviations. Write out the entire amount in words to prevent ambiguity and potential fraud.
What happens if I make a mistake when writing the amount?
If you make a mistake, it’s best to void the check and start over. Don’t attempt to erase or scratch out.
Do I need to write the dollar sign ($) when writing the amount in words?
No, the dollar sign is typically placed next to the numerical amount and is not included in the written amount.
Can I use commas when writing out large amounts?
Yes, you can use commas to separate thousands and millions for clarity, but ensure the words and spacing are correct.
What if the amount is a round number, like $100.00?
For round dollar amounts, write the dollar amount in words (e.g., “One Hundred”) followed by “and 00/100” to indicate zero cents.
Conclusion: Mastering the Art of Check Writing
Writing the amount on a check in words is a fundamental skill that combines precision, clarity, and security. By understanding the importance of this practice, following the step-by-step guide, and avoiding common mistakes, you can confidently and accurately fill out any check. Remember to practice, utilize available resources, and always prioritize accuracy to ensure your transactions are secure and reliable. Mastering this skill is a valuable asset in both personal and professional settings, and this guide provides you with everything you need to succeed.