Using a check to pay for a product purchased or service rendered is just one of the many conveniences of a checking account holder. When you open a checking account, you may not know how to write out a check but knowing how to correctly and accurately write a check can eliminate confusion and, more importantly, prevent fraud. Below is an example of how a check is to be written out:
Illustration of a Typical Bank Check
Contents of a Bank Check
Illustration Footnote:
In Green (Provided by the Account Holder’s Bank)
1. Name of checking account holder
2. Check number for record keeping
3. Account holder’s bank
4. Routing number – Identifies the bank processing the check using MICR*
2. Check number for record keeping
3. Account holder’s bank
4. Routing number – Identifies the bank processing the check using MICR*
5. Bank account number – Identifies where funds are to be withdrawn from
* MICR = Magnetic Image Character Recognition codes
In Red (Portion of the Check to Be Completed)
1. Date the check was written
2. Person/company check is written to and is to be paid
3a. Amount Paid (Numerical - $)
3b. Amount Paid (Written - Dollars)
4. Reason for Writing the Check – Note to self or note of payment account number
5. Account Holder Signature – Permissions money to be withdrawn from account
Completed Bank Check
After reviewing the above and with some practice, you will soon have the confidence to write out a check with ease. Next time when rent is due, you just might find convenience in paying your landlord with a single check.
Until next time…
