Once in a while, the most difficult things in life are actually the tiniest of things. You probably think you know just how to write a check without cents, but the actual amount can trip people up. Many individuals find writing checks with no cents tricky, but it only takes a little practice to get to a point of doing it automatically out of habit. You will find all the steps you need to fill in your check properly when it is without a cent. Our example will also help you to understand better what to write.
1. Write In Your Numerical Amount:
Even if you are writing a check that does not have any cents, you still have to incorporate the decimal point and the cent amount for even-dollar figures. Our example is sixteen dollars even. As such, you still must indicate that no or ‘zero’ cents are getting paid with the check. Do that by continuing to incorporate the decimal point and then follow it with a pair of zeros. That means you write ‘16.00’ into the box.
2. Also Fill In Your Textual Amount:
When it comes to the part where you write out the checks amount in spelled-out words, you write down the dollar amount, and then you add the cents amount. You do both, even when the cents are zero.
Consider our example of $16.00
You then write:
Sixteen and 00/100
Or you could also write in ‘dollar(s)’ if you prefer, making it:
Sixteen dollars and 00/100
You’re sure to notice that the actual word ‘cents’ is not to be found anywhere, as you don’t need this in check writing. It’s enough to just input the total of cents in the above format.
You’re also sure to notice that we use the conjunction ‘and’ right before the amount of cents included in the check. After all, the check is being written for an amount of dollars as well as cents. It’s best to avoid using the word ‘and’ anywhere else in the check amount.
3. Write In The Date:
Right next to where it says ‘date,’ write in the proper date abbreviation for the day that you are writing the check.
4. Write In The Recipient Or Payee:
You’re writing the check to a company, person, or organization. Put that name in the right spot, always using the full and legal name of the recipient. Nicknames are something that can cause deposit problems for the payee. For instance, if you have a friend name Susan Chex who often goes by ‘Susie,’ then writing the legal name of Susan is the better thing to do.
5. Write In Your Memo Line:
This one’s optional, and you can leave it empty. However, many check writers use this line to notate the purpose of their checks. It might be ‘rent’ or ‘graduation gift,’ whatever your case might be. That helps you remember just what you wrote the check for if it needs accounting at a later time.
6. Sign The Check:
It’s critical that you put your exact signature on there, matching the signature card your bank has from when you established your account.