How to Write a Check with Cents – Steps, Examples, & FAQ

How to Write a Check with Cents - Steps, Examples, and FAQ
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Are you at that point where you need to learn how to write a check with cents easily and fast—just as the title of this guide suggests? Well, we’re happy to let you know that you’re in the right place to get so much information about writing checks.

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Why You Need to Write a Check

There are many reasons people write checks. Of course, some instances would compel you to know how to write cents on a check. It can be as a payment, gift, or for personal use such as in the case of having to learn how to write a check to yourself.

Here, we’ll describe 5 common cases which may require you to understand how to write a check (with cents).

  1. Charity
  2. Payment for Goods and Services
  3. A celebratory gift
  4. Entrance fee for some public spaces
  5. Saving on processing charges

1. Charity

You may need to learn how to write a check with cents when giving money to religious, charitable, or community organizations. Sometimes, checks may be the preferred means of money collection for these groups. This is because it enables them to save on processing charges.

2. Payment for Goods and Services

Individuals may need to know how to write cents on a check when the businesses and government offices they do transactions with prefer this means of payment. Companies may also use it to pay workers’ salaries/wages so as to avoid the payment of higher processing charges.

For example, you may have to understand how to write a check for 1000 as payment for the following:

  • House rent
  • Government office charges such as payment for taxes, fines, collecting permits, and so on.
  • Products bought at a physical store or paid for on delivery
  • Paying a plumber for repairs
  • Deposit on a landed property

3. A Celebratory Gift

What about a monetary gift to a loved one who’s celebrating a special occasion? You can do so if you know how to write a check for 1000 or more or reasonably less, right? For example; family members getting wedded, graduating from college or celebrating a birthday.

4. Entrance Fee for Some Public Spaces

Some places are “checks only” when it comes to visitors paying an entrance fee. This means that they don’t accept cash or any other means of payment. For example; amusement parks, campgrounds, nature parks, etc.

Now imagine if you get to such destinations and you don’t know how to write cents on check. Even worse; what if you aren’t with your checkbook? Aaargh! It could be a bummer. Always have your checkbook on you or in your car at least. This habit could be a lifesaver (quote and unquote) at some point.

5. Saving on Processing Charges

We’ve already mentioned the need to save on processing charges twice now. Well, that’s just how important knowing how to write a check with cents can be. Who wants to pay more if there are ways to pay less?

Utilizing your credit or debit card when paying for goods and services can be annoying if you have to pay a significant amount as charges for processing the transaction. What if using your checkbook would help you avoid such options? Let’s rephrase: What if learning how to write check with cents was the only other way to dodge extra costs?

How to Write a Check

Keep in mind that the six steps given here would be referenced in the section for finding out how to write check with cents, except steps 3 and 4 which will have different explanations in that section.

  1. State the Date
  2. Include the Recipient’s Name
  3. Mention the Amount Numerically
  4. State the Amount Utilizing Words
  5. Give the Reason for Writing the Check in the Space for “Memo”
  6. Put Your Signature

1. State the Date

This is step no. 1 in the process of writing a check and you can include it as part of learning how to write cents on check. The date needs to be written clearly and the actual information you put down depends on the situation. You may need to postdate your check for reasons given in the FAQs section. Dates can be written in the following ways:

  • In full: July 27, 2021
  • Numerically: 03/04/2021

2. Include the Recipient’s Name

This is also relevant in the steps for understanding how to write cents on a check. Your recipient can be a business or a person. In the case of the former, you would have to write the business name in full.

Ensure that you’re using the right spellings. It’s advisable to verify such things to avoid making the receiver go through hassles at the bank when trying to deposit/withdraw the money.

3. Mention the Amount Numerically

Step 3 is where we revert to “how to write a check with zero cents” mode. We’ll continue with knowing how to write check with cents in step 5…

Look for where you’ll write the amount to be paid to the recipient using numbers. It’s usually a small box that already has the currency symbol in print, so all you’ll need to do is write the figure and decimal point alone

Ensure that you state the amount in such a way that a dishonest recipient won’t be able to edit the figures. Leave no significant space on the left side of the box or between the numbers. You can draw a line after the figures to take up the remaining space.

Don’t forget to put the decimal point that separates the figures for dollars and cents. This is how to write a check for 1000 (in a US dollar amount) numerically in the space provided: $ 1000.00.

4. State the Amount Utilizing Words

We’re still off the “how to write cents on a check” mode here…

You’re stating the amount again—but with words—as a confirmation of the amount that was stated in the numbers. This part may seem difficult to you, but writing in words is as easy as writing in numbers.

Ensure that your writing is legible and that you’re using the right diction (choice of words). The statement should mean exactly what you wrote in numbers. Draw a line to take up the space left if the words don’t fill it up. This is to make it known that there’s no other thing to be added. The currency type is typically stated in print (by the checkbook issuer) at the end of the space provided.

In mastering how to write a check for 1000 in letters, the statement should look like this: One thousand and 00/100 ——————— DOLLARS.

Note: Check the FAQs section for more instances and examples.

5. Give the Reason for Writing the Check in the Space for “Memo”

We’re back to learning how to write a check with zero cents…

The memo area is where you’ll state the purpose of the payment and/or your billing account number. Such information can be useful in identifying a lost or parted check. It can also serve as a reminder in the future.

You may not find it relevant or necessary to state anything in the space, but rest assured because it’s an optional part of writing checks. However, there are cases where a bill issuing company would require you to state your billing account information in the memo space. Check the examples of what may be put in the memo line below.

6. Put Your Signature

This is the last step in the process of finding out how to write a check with cents. You’ll be signing your name in the specified space at the bottom right-hand corner utilizing the signature that’s registered with the checking account. The bank will be sure that you’re in support of the transaction when they see your signature.

It’s advisable to avoid appending a signature when other steps haven’t been completed—as a security measure. Checks can’t be deposited without signatures.

Watch this YouTube video to learn more about writing checks:

How to Write a Check (Plus Some Fun Facts About Check Writing)

How to Write a Check with Cents

Now for mastering how to write a check with cents…

Remember that we showed examples in the last section such as how to write a check with zero cents and how to write a check for 1000 with no change. There’s no need to repeat steps 1, 2, 5, and 6 here—only 3 and 4. With that being said, let’s see how to write cents on a check in numerical form and words…

How to Write Cents on Check for $65.45?

In numbers: $ 65.55

In words: Sixty-five and 45/100——————— DOLLARS

How to Write Cents on Check for $0.45?

How to write a check for cents only in numbers: $ 0.45

How to write a check for cents only in words: Zero and 45/100 ——————— DOLLARS

Note: Check the FAQs section for more instances and examples on how to write a check for cents only.

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FAQs

We have 15 frequently asked questions that you might be interested in below.

1. How to Write a Check for 100 Dollars?

How to write a check for $100? Well, that’s easy. Check it out below.

  • How to write a check for $100 numerically: $ 100.00
  • How to write a check for $100 in words: One hundred and 00/100 ——————— DOLLARS

Or

One hundred and zero cents ——————— DOLLARS

The symbols “&” as well as “+” can be used to replace “and” in the statement.

2. How to Write a Check without Cents?

These are other examples of how to write a check with zero cents in words: One thousand five hundred sixty-five and 00/100——————— DOLLARS.

The conjunction “and” should only be seen in-between the amount in dollars (one thousand five hundred sixty-five) and the one in cents (00/100). It should NEVER be included as part of the amount in dollars. See this example: “one thousand five hundred and sixty-five.”

3. How to Write a Check with Cents Only?

This is how to write a check for cents only in a different way: Only fifty cents ——————— DOLLARS

  • In cases where the type of currency isn’t stated in print, you can write the amount like this: Zero dollars and 65/100.
  • This is another approach you can take in learning how to write a check for cents only when the currency type isn’t already stated: No dollars and 50/100 ———————

4. How to Write a Check to Yourself?

This is quite easy. Just state your name as the recipient in the space provided.

5. How Do I Void a Check?

You may have to void a check due to the following reasons:

  • If there’s an error in the information stated.
  • If you’ve decided not to utilize it.
  • If the check is required for a direct deposit.

Voiding a check is as simple as writing a check to yourself. Do the following:

  • Writing the word “void” across the check with big letters and in block form. This is done for checks that have been filled out.
  • You can simply shred, tear up, or burn the check if you don’t need it anymore.
  • Direct deposits would require the following procedure:
  • Write “void” across it as described earlier.
  • Get it scanned or hand it over to the person who is preparing the transaction.

6. Can I Write a Check with Pencil?

Using a pencil to write a check might be the only option for you in some urgent cases. However, it isn’t advised that you do so for financial security reasons. This is because important information such as the amount in words and numbers as well as the intended recipient can be easily edited.

Simply put, you’d be putting yourself in danger of fraudsters. It’s best to use a pen. You can always void the check if you make a mistake that can’t be erased.

7. How Do I Postdate A Check?

Postdating can be done when you want to avoid stating the present day’s date. People put future dates on checks for the following reasons:

  • If it’s for a later withdrawal than the present day.
  • If the money in your account isn’t up to the amount you’ll be stating on the check.

Just ensure that the stated date is in line with the day the transaction will take place. You can’t go to the bank to cash a check that has a future date written on it.

8. What Is the Number In the Top Right Corner of the Check?

That’s the check number. It can be in the hundreds (000) or thousands (0000). It’s used for identifying your check during tracking.

9. What Are the Numbers on the Bottom of a Check?

The numbers that can be found at the bottom of the check include the following:

  • Bank account number: The bank will know the source of the money with this.
  • Bank routing number: The bank will know how to move the money with this.
  • Check number: Used for tracking (as stated earlier).

10. What’s a Blank Check?

A blank check is a signed check which you haven’t filled out completely. It may not have the recipient’s name or the amounts in numbers and words. It may only contain a signature without any other information. It’s not advisable to give a blank check out to avoid fraud.

11. How Do I Write More Than One Name on a Check?

Simply use the conjunction “or” to separate the two names. Avoid using “and”.

12. What Are Alternatives to Writing a Paper Check?

It has been predicted that check-writing would stop by 2026 because the number of checks being used for financial transactions is lowering at a rate of 1.8 billion annually. This means that more people are starting to adopt other alternatives to writing a paper check. We’ve listed them below.

  • Debit cards
  • Cash payments
  • Credit cards
  • Money transfer services. For example; Apple Pay, Google Pay, Western Union, etc.
  • Online bill payments

13. Can I Write My Own Check?

You’ll be able to do so with the tips provided in this guide.

14. Where Can I Get Cheap Checks Online?

Checks are issued by banks, but there may be delays and higher fees. So what do you do? You can get cheaper checks on sites like Checks.com, SuperValue Checks, Bradford Exchange Checks, and so on.

15. How to Write a Check with Numbers Reference Table.

A numbers reference table will show you how to spell out the numbers in words when writing the amount on a check. You’ll be able to write from 0 to high amounts in hundreds of thousands easily. You can find such tables online.

Conclusion

We needed to put that many FAQs in this guide along with their answers, so you can have enough information about how to write a check with cents. Feel free to do more research on other aspects—possibly to check sample images.

By now, you should know how to write cents on a check and how to write a check for 1000 without cents. What about how to write a check to yourself? Practicing the tips given in this guide should be simple and convenient for you.

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By Kalpataru Biswas

Kalpataru is a Software Sales, and Product Marketing professional. He writes on business development, personal development, personal finance, and career development. He has more than 10 years of experience in driving revenue through data-driven Sales & Marketing.