How To Fill Out A Check
1. Check number. Most checks are prenumbered when you receive them. If not, number each as you use them. Numbering helps in balancing your account and spotting lost or stolen checks.
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2. Date. Use the date the check is written. It is not a good practice to postdate checks (dating them in advance of the date written).
3. Payee. On the line labeled "Pay to the Order of" write the name of the person or company to receive the payment. If you are withdrawing cash for yourself, use your name instead of "Cash" (safer). You will then have to endorse the check to cash it.
4. Amount in numbers. Write the amount in numbers starting as close to the dollar sign as possible to prevent anyone from adding another number. Put the numbers for cents with a line and 100 under them: 3 50/100.
5. Amount in words. Write out the dollar amount in words and the cents in numbers with a line and 100 under the cents. Start the first word as far to the left as possible. Fill in the extra space to the printed word "dollars" with a wavy line: Three and 50/100~~~~~~~~~~~~ DOLLARS. If the amount written in numbers and words do not match, the bank will generally pay the amount written in words. If it is necessary to write a check for less than $1.00, put a decimal point between the printed dollar sign and the numbers followed by the word cents: $.75 cents. On the line for the written amount, write the word "Only" before the written amount followed by the word cents. Cross out the word "dollars". Only seventy-five cents.
6. Your name. Sign your name in ink exactly as you signed it on the signature card you filled out when opening the account. Checks may be written on a typewriter but must be signed in writing. Never sign a blank check. Someone could find it, fill in any amount they like and cash it.
7. Fraction Code (bank numbers). The numbers on the check in the upper right hand corner (95-115/1122) are identification numbers used to sort and identify checks so they can be returned to the originating bank. For example 95 is the location of the bank. 115 is the bank's identification number, 1122 indicates the Federal Reserve District, branch and state or city where the bank is located. In this example, 11 is the Dallas Federal Reserve District, 2 is the El Paso Branch of district 11, and the last 2 indicates the bank is located in New Mexico.
8. The numbers in the lower left hand portion of the check are identification numbers used by coding machines and computers for eletronic sorting and processing. The second set is your account number. Do not staple through or damage these numbers. The third set of numbers, 1723, is the check number. It is placed here by some banks so that computer verification or recall can be made for a particular check.
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