Justin Pritchard, CFP, is a fee-only advisor and also an skilled on an individual finance. He covers banking, loans, investing, mortgages, and much more for The Balance. He has actually an MBA native the university of Colorado, and has operated for credit unions and large financial firms, in addition to writing about an individual finance for more than two decades.

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Janet Berry-Johnson is a CPA v 10 year of suffer in public accountancy and writes around income taxes and little business accounting for carriers such together Forbes and Credit Karma.

Sample check. See listed below for a finish explanation.Justin Pritchard

For example, assume you must write a check for eight dollars and fifteen cents (that’s $8.15). There room two steps:

Write the amount utilizing numbers (see the red number one in the picture above).

First, create the quantity in numeric formin thedollar box, situated on the ideal side of your check next to the dollar sign (“$”). Start by creating the number of dollars (“8”) followed by a decimal point or period (“.”), and then the number of cents (“15”). Ultimately, you’ll have “8.15” in the dollar box. For much more examples and also practice questions, scroll down.

Next, to write out the check’s amountin words, the two measures are similar:

Write the end the dissension amount.Write words “and.”Write the end the number of cents.

The tricky component is placing the variety of cents intofraction format. To do so, compose the number of cents, then write a cut (“/”), and also then create the number 100. Technically, this is the fractional lot of totality dollars.

Using our $8.15 example, compose the following:

“Eight dollars”“and”“15/100”

Write whatever togetheron one lineso the it reads “Eight dollars and 15/100.” because that a comprehensive example of exactly how to create a check, view astep-by-step tutorialthat supplies the very same amount.

Now the you have the simple idea, stop look in ~ the example in more detail.

No “cents”: You might notification that the word “cents” doesn’t show up anywhere—you don’t need to use it once writing a check. That is sufficient to just put the variety of cents right into the format above. If friend want, you can absolutely write “fifteen cents,” however it’s easier and also faster to usage the fraction format. Plus, your examine probably has the word “Dollars” in ~ theend of the line, so it would certainly not do sense.

The indigenous “and”:Include words “and”just beforeyou write how numerous cents the check is because that (or just after you compose out the full dollar amount). You room writing a inspect for dollarsandcents. If friend like, you have the right to use one ampersand (“&”) or plus authorize (“+”) instead. It is bestnotto use words “and” elsewhere when you create out the amount. Because that example, the following instance is incorrect, and the word “and” have to be removed: “One hundred and also five dollars.”


It might aid to think in regards to percentages: words percent originates from a Latin hatchet that around translates come “per 100.” that’s why cents are referred to as “cents”—each one is one percentof a dollar.

Another method of looking in ~ it is to think about that each cent is one one-hundredth the a dollar. When you compose a check, you note how countless dollars the examine is for, including totality dollars too aspartialdollars—or cents.


Quiz time! shot a couple of more come solidify the concept.Richard Goerg / Getty Images

To solidify the concept and also develop the habit, shot several different dollar amounts.

Example:Write ten dollars and also 99 cent on a check.

10.99Ten and also 99/100

Example:Write eleven dollars and five cent on a check.

11.05Eleven and 5/100

Example:Write a inspect for five dollars.

5.00. Note the double zero—you should always have two digits to the right of the decimal.Five and 00/100. Here, you can use one or 2 zeros, yet two is safer.

Example:Write a seventy-five-cent check.

0.75Zero dollars and also 75/100

You could have noticed that the last example was forless 보다 one dollar. To write a inspect for much less than a full dollar, use a zero to present that therearen’tany dollars. ~ that, include the number of cents just like every one of the other examples. You can additionally write “No dollars and….” if friend prefer.

The five-dollar example can likewise be confusing. Just write a zero (or twin zero) once there isn’t any kind of other number to use. Some world would write that lot out together “Five dollars only,” i m sorry is additionally fine.


There are simpler ways to pay, and also they're frequently free.MoMo Productions / Getty Images

Want come make your life also easier? use fewer checks—or at least have your bank write her checks for you.

Online invoice paymentallows girlfriend to set upautomatic payment or simply pay once you feeling likeit. Your financial institution will pay electronically if possible, or publish a check and mail it. This business is typically totally free with most checking accounts, and also you deserve to send payment to businesses and individuals.

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Debit cardscan be supplied at merchants and online retailers. Similar to a check, your debit map pulls accumulation from her checking account. For daily spending, it may be more secure to usage credit cards to minimize the chance of errors and fraud hitting her checking account.

Peer-to-peer (P2P) payment serviceshelp friend send money to friends and family,often because that free. Those services draw money from your checking account electronically, therefore you’ll instantly have a record of every transaction.