[With Demo] How to write a check with cents in 6 easy steps

Are you in search of how to write a check with cents?

If yes, then your search comes to an ultimate end.

Writing a check without cents is very easy, and you probably know how to do it. But, if you don’t know the right way to write a check with cents then this easy step by step instructions is only for you.

Here, in this article we’ll show you how to write a check with cents correctly, so you never get into unnecessary trouble.

So, without further delay, let’s learn how you can write a check with cents.

How to Write a Check with Cents
How to Write a Check with Cents

Steps on How to Write a Check with Cents

Here are the six quick steps to follow when you write a check with cents.

  • Write the current date in the top right corner.
  • Write the recipients name next to “pay to the order of”.
  • Write the dollar and cent amount in numbers next to the “$” symbol.
  • Write the payment amount in words bellow the “pay to the order of”.
  • Sign the check with your signature in the bottom right corner.
  • Fill out the memo line in the bottom left corner.

Full Detailed Explanation of How to Write a Check with Cents

For understanding the process to write a check with cents correctly, we have a typical situation where you have to pay Mr. Rayan Wallace a sum of $61.78 dollar for food bill, assuming the payment date to be 09th May, 2021. So now let us get down to seeing how we can write all the details properly.

Step 1: Write The Date

First, write the date at the top right hand-corner. In this section write the current date or the date you want the check to be deposited on. Note: the date format should be month, day, and then year. For instance, You can fill out the date like “May 9, 2021” or “05/09/2021”.

Step 1

Step 2: Write The Recipients Name

Write the full name of the payee or recipient next to “pay to the order of”. This can be an individual’s first name and then last name, or it can be the name of an organization. Make sure you spell the full name correctly.

Example: “Rayan Wallace”

Step 2

Step 3: Write The Payment Amount In Numbers

In the dollar sign payment box, write the full amount of your check in numbers. For example, if you are paying $61.78, you will write “61.78”. Don’t forget to write a comma for amounts over a thousand and write a decimal point between the dollars and the cents. Example, “15,200.55”.

Step 3

Note: The payment amount should not be more than the funds you have in your checking account. Otherwise when the recipient tries to deposit your check, the bank will not cash or deposit the check. And your bank may charge you a fee for insufficient funds.

Step 4: Write The Amount In Words

In the next step, write amount in words in the given dollar line. For any cents, write them as a fraction over one hundred. Then draw a horizontal line all the way across to the end. This prevents sneaky people from adding to the amount that you wrote.

For example, if you are paying $61.78, you will write “Sixty-one and 78/100”.

Step 4

Let’s look at a few more examples of how to write check amount in words with cents.

  • Example 1: $5.75 > Five and 75/100
  • Example 2: $25.52 > Twenty-five and 52/100
  • Example 3: $73.39 > Seventy-three and 39/100
  • Example 4: $109.10 > One hundred nine and 10/100
  • Example 5: $2782.45 > Two thousand seven hundred eighty-two and 45/100

Step 5: Sign the check

Now, Sign your name on the line at the bottom right corner of the check. Your signature authorizes the bank to pull these funds from your bank account. In fact, without a signature, a bank will not allow the recipient to deposit the check.

Step 5

Step 6: Write The Memo Line

The last thing you need to do is fill out the memo section on the bottom left of the check. This step is optional and it will not affect your check validation. It’s usually helpful to write a note to remind you later what this check was for.

Sample How To Write A Check With Cents
Sample How To Write A Check With Cents

Frequently Asked Questions

Following are the answers to the various frequently asked questions relating to How to write a check with cents.

1. How to Write a Check for 200 Dollars with Cents?

  • Write the current date in the date line.
  • Write the recipients name next to “pay to the order of” line.
  • Write “200.xx” in the dollar sign box.
  • Write “Two hundred and xx/100” dollars word line.
  • Sign the check with your signature.
  • View Sample check:- How to Write a Check for 200 Dollars with Cents

2. How to Write a Check for 1000 Dollars with Cents?

  • Write the current date in the date line.
  • Write the recipients name next to “pay to the order of” line.
  • Write “1000.xx” in the dollar sign box.
  • Write “One thousand and xx/100” dollars word line.
  • Sign the check with your signature.
  • View Sample check:- How to write a check for 1000 dollar.

Thank you for reading this guide on How to write a check with cents. We hope now you know “How to write a check with cents”. For any related queries please comment below.

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