How to write a cheque.

Filling out a check for the first fourth dimension or for the first time in a while? Y'all might have questions, such equally where to sign a check and how to write a check with cents. While you might not write many checks, it'south notwithstanding an important skill to take. Let usa answer your questions with a quick how-to.

How to write a check

Step 1: Date the cheque

Write the engagement on the line at the top correct-hand corner. This step is of import so the bank and/or person you are giving the check to knows when you wrote information technology.

Step ii: Who is this check for?

The next line on the check, "Pay to the guild of," is where you write the name of the person or company you want to pay. You tin also just write the word "cash" if you don't know the person or organization's exact proper name. Be aware, though, that this can be risky if the check ever gets lost or stolen. Everyone can cash or deposit a check made out to "greenbacks."

Step three: Write the payment amount in numbers

There are two spots on a check where you write the amount you are paying. Beginning, y'all'll need to write the dollar amount numerically (for example $130.45) in the small box on the right. Be sure to write this conspicuously so the ATM and/or banking concern can accurately decrease this amount from your account.

Stride 4: Write the payment amount in words

On the line below "Pay to the lodge of," write out the dollar amount in words to match the numerical dollar amount you wrote in the box. For example, if you are paying $130.45, you will write "one hundred thirty and 45/100." To write a bank check with cents, be certain to put the cents amount over 100. If the dollar corporeality is a round number, still include "and 00/100" for additional clarity. Writing the dollar corporeality in words is important for a depository financial institution to procedure a check as it confirms the correct payment total.

Step 5: Write a memo

Filling out the line that says "Memo" is optional, only helpful for knowing why you wrote the check. If you are paying a check for a monthly electric beak or hire, y'all can write "Electrical Bill" or "Monthly Rent" in the memo area. Frequently when you are paying a bill, the company will inquire you to write your account number on the bank check in the memo expanse.

Stride vi: Sign the check

Sign your name on the line at the bottom right-hand corner using the signature y'all used when you opened the checking account. This shows the bank that you agree that yous are paying the stated amount and to the correct payee.

How to balance a checkbook.

Every time y'all spend money or make a deposit, yous should go along track of this in your checkbook's check register, which can be institute with the checks yous received from Huntington. Your cheque register is meant to be used for keeping runway of your deposits and expenses. All transactions should exist recorded, including checks, ATM withdrawals, debit card payments, and deposits.

Record your transactions.

  1. If you make a payment by check, you volition record the check number, found in the top correct corner of the bank check. This also helps you keep rail of your checks, helping yous ensure none of your checks are missing, and reminding yous when you need to reorder checks.
  2. Be sure to make note of the date for your records. In the "Transaction" or "Description" column, draw where the payment was made or for what. Then write down the exact amount in either the withdrawal or deposit column depending on if you spent money or received it.
  3. Subtract the amount of any checks, withdrawals, payments and bank fees or add in deposits to the full amount in your business relationship from the previous transaction.

Reconcile your bank argument each calendar month.

When you receive your monthly depository financial institution statement, whether it comes in the mail or you view it online, take the time to balance your checking business relationship. Commencement, download our Balancing Worksheet. Then follow the directions to enter the information from your checkbook register and bank account statement too as whatever unlisted deposits and outstanding checking/withdrawals. Once you lot are finished with the worksheet, if your adjusted checkbook and account balance match, your checking business relationship is counterbalanced!

If there are differences, have the fourth dimension to check your math, encounter if at that place are outstanding checks that might not show on your statement all the same, and double-check to ensure y'all didn't miss a fee or transaction. If you believe there is an error on your bank statement, contact Huntington as soon as possible.

Balancing your checkbook may feel outdated with online banking, mobile banking, and budgeting applied science. While your Online Banking history allows you to check your account balance and track your spending on a regular footing, at that place are still benefits to balancing your checkbook each month (or fifty-fifty each calendar week).

For example, if y'all wrote someone a check and they haven't cashed it even so, that amount won't be listed in your online history, but it will be in your cheque register. Having accurate knowledge of payments you take made tin can help yous avoid overdrafts or return fees. Additionally, keeping a 2nd record of your transactions could help you spot potential instances of fraud.

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