How to Fill a Check Properly- A Comprehensive Guide to Write a Check in 5 Steps
How to Fill a Check: Do you know checks are still the best and secure way to the transaction any amount through your bank? Nowadays, digital transactions are more comfortable and popular to transact amount. But, cheques are still an inexpensive and effective method for moving any money securely.
In this digital world, you may probably use check for paying your bills and expenses. Or maybe you don’t write a check before. In this post, I will explain everything about how to fill a check properly.
Secure banking is an essential thing for everyone in today’s scenario. The online transaction gives you comfort and mobility in banking term. And on the other side, its security is the biggest issue for digital transaction providers.
Although all banks and payment gateways are effectively secure your online banking or transactions for a long time, as an option, you must need to open all way for transactions.
Writing a check is not a typical task; with some basic guidance, everyone can easily fill the check. Here I’ll guide step by step process which you can rapidly understand to apply.
So let’s see,
How to Write a Check Properly
To issue a check, an account holder needs to fill these required pieces of information on the bank’s check. All information must be correct and clearly visible.
Here I use a check template to describe you, how to fill a cheque without any error or dificulty. you can use this template as reference and it is similar of all bank checks.
You can write the date on the check leaf’s top right corner in DD-MM-YYYY format. Mostly, the current date is filled by the account holder; if needed, you can postdate the check.
2. Beneficial or Payee Name
In this place, you need to fill the name of the person or organization; you want to pay. Here you must have to mention payee name in the correct form and neat and clean writing.
Also read: http://earningtips.in/top-banks-in-india/
Any error or misspelling on the name can get you in trouble.
3. Amount in Figures/Numbers
In the next step, you need to fill payable amount in figures or numeric form in a small box on the middle-right-side of the check.
In the box, you can see a currency symbol on the left side of the box, and then you write the amount on the right side of the box.
4. Amount in letters (words)
This feature can be prevented from any over righting of your payable amount in figures. It also helps to confirm the payable amount and protect by fraudulent and misunderstanding.
You need to write the exact amount in words in the given space. Make sure your spelling is correct and easy to read. Write the amount in words as written in figure form in the box.
After writing the exact amount in words, you need to write ‘only’ word and draw a line for whole blank space. It can reduce any chance to alter the amount you wrote.
Without a signature, your check will not be valid. So, in the last step, you need to sign the check, in the bottom right corner. That conveys the bank that you agree to pay the amount on the check.
Make sure your sign is similar as the bank’s record, now you’re almost finished. I suggest, do not sign it until the rest of the check is completed, and I do this for safety reasons.
You can also write a memo on check if the option is available on the check. With the memo, you can easily organize your payment schedules when you need to pay many different expenses.
When you completed these steps, you need to fill your chequebook slip with the issued check number, date, payee name and amount instantly. It can help you to remind, when and how much you pay to others by check.
Some tips to help prevent any trouble-
- Don’t carry pre-signed blank checks.
- Try always to issue an account payee checks.
- When you fill amount in numbers, try to fill the complete box.
Here are some FAQs to solve your most common queries-
What is account payee cheque?
An account payee or crossed check is clear by the payee from their bank account. An account payee check can withdraw the payment only in the payee bank account, and can’t withdraw cash from the teller.
It is a highly secure method to pay anyone by the paper check.
What is a bearer cheque?
A bearer check can be issued to a specific person name and receiver of the check can withdraw the cash from the drawee bank.
A bearer check can be transferred to another person.
How to write a check for yourself?
If you want to write a check for yourself, you need to write your name or ‘self’ word on the line where you usually write payee name.
How do I postdate a check?
You can pay an amount to a specific date or month to issue a postdated check. To postdate a check any future date you need to fill the date box with your desired date.
How do I void or cancel a check?
Many times were filling a check cause error writing, and you can’t be able to correct these errors. In this case, you can void a check.
To void a check, you need to write ‘CANCEL’ or ‘VOID’ in big letters across the check leaf.
What’s a blank check?
A blank check is called when a check is signed by the account holder and other details like payee name, payable amount, and date is not filled in the given field.
Can I write a check with a pencil?
It’s not recommended; using a pencil to write a check is not a secure way to pay any amount by check.
You must always use a pen to write a check because pen ink does not remove easily and your check is protected by forcefully alter any information on the check.
What are alternatives to writing a paper check?
There are many easy ways to pay any amount from your bank account. You can use debit cards, credit cards, PayPal, Paytm, your bank’s app, and other payment processor apps for paying your bills or purchasing anything.
How to identify the cheque number?
A check number is printed on the bottom of the check, in the left-hand corner. It’s a mostly 6digits number.
How to encash a cheque?
To encash a check, you need to visit the payer bank’s branch. Here you can present the check to cashier or teller.
Teller will verify the details on the check and ask for your signature on the backside of the check.
If teller satisfied with all information on the check, it will pay you the amount in cash in your hand.
How to deposit an account payee cheque?
Deposit an account payee check in your bank account is some tricky. Here I will explain every step to do it easily.
First, you need to find a check deposit slip in your bank.
In check deposit slip you need to fill these details-
- Fill the current date
- Fill your bank account number your full name
- Fill your registered mobile no.
- Write check issuer bank details
- Write the amount of the check, in number and word also.
- Sign on the given place in slip
Pinup the checks with the filled slip and submit in the check drop box in the branch.
You can submit multiple checks in one slip by given details of all checks and filled total amount in the given box.
Types of cheques in India
Many types of checks are use in different need. It completely depends on the issuer of check, how will he/she wants to present a check.
Here are some of the popular check types-
- Bearer checks
- Account payee checks
- Postdated checks
- Cancel or void checks
- Blank checks
- Self-check etc
How to write more than one name on a check?
Sometimes, when you want to pay any amount as a gift to a married couple, in that case, you mention both names on the check.
So, the best way to pay more than one person by check, you need to write their names with ‘or’ not ‘and’ on the payee name line on the check.