Writing a check correctly is crucial to ensure your payment goes through smoothly. A common point of confusion? Including cents in the written amount. This comprehensive guide will walk you through the process, eliminating any ambiguity.
The Importance of Accuracy
Accuracy when writing checks is paramount. Discrepancies between the numerical and written amounts can lead to delays, rejection, or even fraud. Always double-check your work before handing over a check.
Understanding the Two-Part System
Checks utilize a two-part system for recording the payment amount:
- Numerically: The amount is written in digits in the designated box.
- In Words: The amount is written out in full words on the corresponding line.
It's the written-out amount that takes precedence in case of a discrepancy. Therefore, meticulous attention to detail in the written portion is essential.
Writing the Check Amount in Words: The Step-by-Step Guide
Let's break down how to write a check amount, including those pesky cents:
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Write the Dollar Amount: Begin by writing the dollar amount in words. For example, for $25, write "Twenty-five".
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Include "and": After the dollar amount, add the word "and" to separate the dollars from the cents.
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Write the Cents as a Fraction: Write the cents as a fraction of 100. For example, 75 cents would be written as "75/100".
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Dollars: If the amount is a whole dollar amount (no cents), write "and 00/100" after the dollar amount. For example, $50 would be written as "Fifty and 00/100".
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Hyphenate Numbers: Hyphenate compound numbers between 21 and 99. For example, write "Twenty-five" not "Twenty five".
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Spell out Numbers: Always spell out the numbers. Avoid using numerals when writing out the check amount in words.
Examples:
- $25.75: Twenty-five and 75/100
- $100.00: One hundred and 00/100
- $5.50: Five and 50/100
- $1,250.20: One thousand, two hundred fifty and 20/100
Important Considerations:
- Consistency: Maintain consistency between the numerical and written amounts. Any difference will raise red flags.
- Legibility: Write clearly and legibly to avoid misunderstandings.
- Security: Use a pen that won't smudge or bleed through the check.
- Correct Spelling: Double-check your spelling to ensure accuracy.
Following these steps will ensure you write your check amounts correctly, preventing any potential issues with payments. Remember, accuracy and clarity are key when handling financial transactions.
