mon”How to” write a check

How to write a check?

Well, while you may think checks are becoming obsolete, they are still in good use. Older people that are not familiar with check cards such as a visa or master debit card, continues to make good use of checks. While a younger person getting their first checking account may not know the first thing as to writing a check. Then you figure, why even get them if they use their debit check card? Well, I will tell you why…

I have met people that had no knowledge of a banking account and didn’t know how to write a check neither. Yes, they use their debit check card for everything. But, when it is time to make a rent payment, they run and get a money order because the office doesn’t accept Visa or Master, when all along they could have just taken out their check book and written a check. What I will tell you is that I have noticed that many convenient stores do not sell money orders anymore. So, what happen when you can’t get a money order and they don’t take cash or card? You write a check!

For someone who is learning “how to” they need to be instructed. We can’t go throughout this world meeting people making the assumption that they already know. As you get to know people you get to know that everyone was not raised to be taught. In that case, they seek the internet and other sources to find out.

Okay, first let us discuss all the items that are listed on the check itself.

Personal Check

1. Your personal information: such as name, address, phone number, drivers license #, etc. Many banking institutions do not recommend that you list your driver’s license and phone # on the check anymore. Having this type of information on your check makes it easier for fraud to occur.

2. The check number: is normally listed in the top right hand corner of the check. It is also listed at the bottom being the last set of numbers that proceed after your account #, (as listed as #12 in the example)

3. The date: this is the date that you want the check to be process. You may need to give a post dated check to some business or some body. So, date the check accordingly.

4. Pay to the order of: This is who you are making the check out to. Be sure to accurate with spellings and etc.

5. Amount- This is the amount of the check in numeric format: such as $25.00

6. Amount- This is the amount of the check spelled out: such as twenty five dollars and zero cents.

7. Institution Logo- Your banking institution log is normally here.

8. For: This is the memo part of the check. This is only for your records.

9. Your signature: This is where the account holder signs their name to the check.

10. Routing Number: The first set of number is the banking routing number.

11. Account Number: The next set of number is your account number.

12. Check Number: The last set of numbers is the check number; this number should match the top of your check. Remember, this number is not including in your account number and should always be kept separate.

Carbonate Copy of Personal Check

There are two types of checks that can be ordered single and duplicates. When you request duplicates, the second page is a carbonation page, so when you write a check may sure you have a divider separating each check because what you are writing might show up on another carbonate copy.

Let’s explain the example of above. This is the carbonate copy of the duplicate check. After you have detached the check from this copy, you are left with a record of the check that you have written for the given check number. As you can see that:

1. Represents tracking your expenses: This is solely for your record keeping purposes.
2. List the check number: the check number is located in the exact same place as on the original check.
3. The amount that you wrote on the check will show up on THIS ITEM line. After you have written the check you can add to the records to keep track of how ever you maintain your record for that specific account.
4. This is the signature line, because the check is a duplicated, the check signature line while not be shown.

For security reasons as noted, your name and account number do not appear on this copy.

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