However, everyone is cautious about writing a check and may need a model to miswrite it. Since it consists of vital information, you need to be careful while adding in information.
A step-by-step guide to writing a Check
Here is an overview to fill out a perfect check-in way.
1. Current Date
First, you need to write the current date at the top right-hand corner. You will certainly tell us the data you have to issue the check. While in other cases, you can postdate the check that depends on the condition when you want to withdraw.
2. Payee
The second line you need to fill is named "Pay to the order of." Here you will write the name of the person or organization you intend to pay for. If you do not know what to write in this line, you may ask, "Who do I write to check for." Make sure to add accurate information, or else the check can go wrong.
3. Amount in Numeric Numbers
The third step comes to write the amount in numeric form. You will find a small box on the right-hand side specified for the wiring amount in number. Remember to write over to the left side. For instance, if your payment id %5. You should write "5" at the left-hand border of the dollar box to minimize chances for fraud.
4. Amount in Words
The next step comes to write the amount in words. It is also to minimize the chances of fraud. It is the official amount of the payment you want. The amount in numbers should be similar to the amount in words you entered at the last step. Make sure to use capital letters that have fewer chances to change.
5. Signature
You need to sign the check on the line at the bottom-right corner in the next step. Keep in mind the same signature and name on file at your bank. It is certain that without a signature, a check is never valid.
6. Memo
This step is, however, optional and includes a note. It does not affect your check too. The memo line is helpful as a reminder of the reason for writing your check. This information can be beneficial to process your payment. In addition, it can be beneficial for your account in case anything gets missed. For example, you may write social security number to maximize security.
Valuable Tips for how to Write a Personal Check
It is important to note that the check you wrote should be for the actual purpose you intend to pay to an organization. These days many frauds make it easy for thieves to alter the checks that you lost or someone steals.
There are many ways that your check may get lost, so make sure to make it inaccessible for thieves. Here are some valuable tips to assist you in making a check that is safe from fraud and your money is safe.
1) Use Permanente Ink
Firstly, you should use a permanent ink pen for writing a check. Using a pencil or temporary ink pen is likely to erase. So, it is easy for thieves to change the amount and name of the payee on the check.
2) Avoid Blank Checks
Keep in mind not to sign a check before filling in the payee's name and amount. If you do not know exactly who to make the check payable or have no idea, you can become a problem. Keep in mind not to give unlimited access to any of the amounts in your check, or else you can fall prey to fraud.
3) Carbon Copies
Do you keep a paper record of each check you write? What you can do is; to get a carbon copy of your checkbooks. These copies consist of a thin paper sheet containing details of each check you write, and it can help you recognize all the records of money.
4) Legible Signature
You may have seen that some people do not have a legible signature, and they make funny images to sign checks and credit card slips. It is better to make your signature coherent and consistent to help your bank identify any fraudulent transaction.
Conclusion
All in all, it takes some minutes to fill up a check, but it has essential considerations to keep in mind, as discussed above. If you make a minor mistake, it may cause a significant loss to you. So, be careful while writing a check and save yourself from all harmful situations.
