How To Write Out Check Amount: A Comprehensive Guide

Writing a check might seem like a relic of the past, but it remains a useful tool for various transactions. One of the most crucial parts of completing a check correctly is filling in the amount in words. This guide provides a comprehensive, step-by-step approach to mastering how to write out check amounts accurately and confidently, ensuring you avoid errors that could lead to delays or, worse, financial complications.

Understanding the Importance of Writing Out Check Amounts

The amount written out on a check serves a vital purpose. It’s a secondary verification method that protects against fraud. If the numerical amount and the written amount don’t match, the bank will typically flag the check for review, preventing unauthorized withdrawals. Knowing how to correctly write out the check amount is therefore a critical skill.

Breaking Down the Process: Step-by-Step Instructions

Let’s break down the process of writing out the check amount into easy-to-follow steps. We’ll cover every detail, from single digits to larger sums.

Writing Out Amounts from One to Ninety-Nine

This is the foundation. You need to get this right to handle any check.

  • Single Digits (One to Nine): Simply write the number in words. For example, “One,” “Two,” “Three,” etc.
  • Tens (Ten to Ninety): Use the appropriate word for the tens place. For example, “Ten,” “Twenty,” “Thirty,” etc.
  • Teen Numbers (Eleven to Nineteen): These have their own unique words. Remember to write them correctly: “Eleven,” “Twelve,” “Thirteen,” “Fourteen,” “Fifteen,” “Sixteen,” “Seventeen,” “Eighteen,” “Nineteen.”
  • Numbers Between Twenty-One and Ninety-Nine: Combine the tens and ones. For example, “Twenty-one,” “Thirty-five,” “Eighty-nine.”

Handling Amounts in Hundreds

Adding hundreds to your writing adds a new layer of complexity.

  • Simple Hundreds: Use the word “hundred.” For example, “One hundred,” “Two hundred,” “Nine hundred.”
  • Hundreds with Tens and Ones: Place “and” between the hundreds and the tens/ones. For example, “One hundred and twenty-three,” “Five hundred and forty-seven.”

Dealing with Thousands, Millions, and Beyond

Larger amounts require more careful formatting.

  • Thousands: Use the word “thousand.” For example, “One thousand,” “Five thousand,” “Ten thousand.”
  • Thousands with Hundreds, Tens, and Ones: Combine as needed. For example, “Two thousand five hundred and fifty,” “Ten thousand and one.”
  • Millions: Use the word “million.” For example, “One million,” “Ten million,” “One hundred million.”
  • Billions and Beyond: Use the appropriate word (billion, trillion, etc.). The same rules for combining apply.

Writing Cents Correctly

Cents are crucial, and they require a specific format.

  • Representing Cents: After writing the dollar amount in words, add “and” and then the cent amount, followed by “cents.” For example, “One dollar and fifty cents.”
  • No Cents (Even Dollar Amounts): If the check amount is a whole dollar amount, write “and no cents” or “and 00/100” after the dollar amount. For example, “Ten dollars and no cents” or “One hundred dollars and 00/100.”

Common Mistakes to Avoid When Writing Out Check Amounts

Avoiding common errors can save you time and prevent potential issues.

Spelling Errors

Spelling is paramount. Any spelling mistake can invalidate your check or lead to processing delays. Always double-check your spelling. Pay particular attention to the “teen” numbers and the words “forty” (without a “u”) and “thousand.”

Incorrect Use of “And”

The word “and” should only separate the dollars and cents, or the hundreds and the tens/ones. Avoid using it in other places, such as between the thousands and hundreds.

Forgetting to Close the Line

After writing the amount, draw a horizontal line from the end of the written amount to the end of the space provided. This prevents anyone from adding extra words or numbers to the check.

Not Matching the Numerical and Written Amounts

This is the most critical error. Always ensure the numerical amount in the box matches the written amount. Banks will scrutinize any discrepancies.

Practical Examples: Applying the Rules

Let’s look at some practical examples to solidify your understanding.

  • $25.00: “Twenty-five dollars and no cents.”
  • $150.75: “One hundred and fifty dollars and seventy-five cents.”
  • $1,234.56: “One thousand two hundred and thirty-four dollars and fifty-six cents.”
  • $10,000.00: “Ten thousand dollars and no cents.”
  • $5,678,901.23: “Five million six hundred seventy-eight thousand nine hundred one dollars and twenty-three cents.”

Tools and Resources to Help You

Several resources can assist you in writing check amounts accurately.

Online Check Writers

There are online tools that can convert numerical amounts into written amounts. While these can be helpful, always double-check the result.

Check Writing Templates

Using a check-writing template can help guide you through the process and ensure you don’t miss any details.

Practice, Practice, Practice

The best way to master this skill is through practice. Write out various amounts and check your work.

FAQs: Addressing Your Specific Questions

Here are some frequently asked questions about writing out check amounts.

What happens if I make a mistake when I write the amount?

If you make a mistake, it’s best to void the check and start again. Banks often won’t accept checks with significant alterations.

Is it acceptable to use a pen with a different color ink?

While not strictly prohibited, it’s generally recommended to use black or blue ink, as these are the standard and minimize the risk of misinterpretation.

How do I write out a fraction of a cent?

You don’t. Checks only deal with whole cents. Round up or down to the nearest cent.

Can I use abbreviations when writing out the amount?

No. Always write out the full words for the dollar and cent amounts. Abbreviations can lead to confusion and potential fraud.

What if the written amount is different from the numerical amount, which one takes precedence?

Generally, the written amount is the one that takes precedence. The bank will likely contact you to verify the correct amount if there is a discrepancy.

Conclusion: Mastering Check Writing Amounts

Successfully writing out a check amount requires careful attention to detail and a thorough understanding of the rules. This guide has provided a comprehensive overview, from the basics to advanced scenarios, ensuring you can confidently and accurately fill out this crucial part of a check. By following these steps, avoiding common mistakes, and utilizing available resources, you can minimize errors and ensure your financial transactions are processed smoothly. Practice regularly, and you’ll master this skill in no time.