Writing a Personal Check

Shaun H. Ruff

Copyright (c) 2009 Sherry Tingley

Learning to write personal checks is very easy to do. First you need to recognize the main parts of a check. The blank spaces on a personal check were designed to give you places to write the date, the name of the payee, the amount you want to pay and a place for you to sign.

When you write a personal check, you want to date the check with the current date, write the name of the payee, write the amount in both digital and the written version and you will need to sign the check.

When you write the amount of the check out in numbers, you generally write for example, one hundred dollars and then the number of cents is written like a fraction. The number of cents followed by a line and then the number 100. If you have no cents, you just write the word no followed by the line and then the number 100.

You will then want to sign the check with your name. When you sign your check, sign it the same way each time to help prevent someone from successfully forging your signature.

There is other information on a personal check that is important for you to know. The first, is a number in the upper right hand side of the check that tells you, the record keeper which check number it is. This will help you if you use your checks in sequential order. It is another way to chronologically keep track of your expenses.

There are also numbers in the lower left side of the check that are called routing numbers. The first numbers are banking numbers that represent the U.S. Federal Reserve Bank’s processing center and your local bank. Routing numbers are often required when making online transactions.

The second set of numbers in the lower left hand corner of your personal checks are your bank account numbers. These can be printed on any checks your order through your bank or online.

The third set of numbers in the lower left hand corner is a repetition of the check number itself.

In the lower left side of your check there is usually a blank line and this is generally used for writing yourself a reminder note about why you wrote the check or what you purchased with your check.

In the United States, a personal check is only good for six months after the date it was issued. After that, your check is no longer valid.

Writing a check is easy to do. When writing your personal checks make sure to record the amount of the check in your checkbook so you can track your spending. This helps make managing your money ever so much easier.

Personal checks come in all types of designs and styles. There are other places to order your personal checks besides your local bank. You can get the best deals on personal checks by ordering your checks online.

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