The basic steps for writing a check

Writing a check is straightforward once you know where each piece of information goes. A check has six main blanks you need to fill in: the date, the recipient's name, the dollar amount in numbers, the dollar amount in words, a memo line (optional), and your signature.

Bank of America checks follow the standard U.S. check format. Your checks come pre-printed with your account number, routing number, and bank information at the bottom. You only need to add the information specific to each payment you're making.

Key Takeaways

  • Write the date in the top right corner, and use the current date or a future date if you want the check to clear later.
  • Write the recipient's name on the "Pay to the Order of" line, and use their full legal name or business name.
  • Write the dollar amount twice: once in numbers in the box on the right, and once in words on the longer line below.
  • Sign the check in the bottom right corner with the same signature you provided to Bank of America when you opened your account.
  • Keep a record of each check you write, either in your checkbook register or by noting it in your online banking.

Where to write the date

The date line is in the top right corner of the check. Write the month, day, and year. You can use numbers (01/15/2024) or write it out (January 15, 2024)—either format works.

You can write today's date, or you can write a future date if you want the check to clear later. This is called post-dating a check. However, many banks now process checks quickly regardless of the date written, so post-dating is less reliable than it once was. If you need a payment to arrive on a specific date, contact the recipient directly rather than relying on the date you write.

Filling in the recipient's name

On the line that says "Pay to the Order of," write the name of the person or business you're paying. Use their full legal name or the exact business name they use for banking. If you're paying a person, write their first and last name. If you're paying a business, write the business name as it appears on their bank account.

Do not use nicknames or shortened versions of names. If you're unsure of the exact name, ask the recipient before you write the check. A check written to the wrong name may not be deposited, and you'll have to write a new one.

Writing the dollar amount in two places

Every check requires the dollar amount to be written twice. On the right side of the check, there is a small box with a dollar sign. Write the amount in numbers here: for example, $150.25. Use the dollar sign and include cents, even if the amount is a whole dollar (write $150.00, not $150).

On the longer line below "Pay to the Order of," write out the dollar amount in words. For $150.25, you would write "One Hundred Fifty and 25/100." Write the dollar amount in words, then write the cents as a fraction over 100. If the amount is a whole dollar with no cents, write "and 00/100" at the end. The bank uses the written-out amount if the two don't match, so make sure both amounts are the same.

The memo line and your signature

The memo line is optional and appears in the bottom left corner of the check. Use it to note what the check is for—for example, "Rent for January" or "Invoice #2024-456." This helps both you and the recipient keep track of what the payment was for, but it is not required.

Sign the check in the bottom right corner with your regular signature—the same one you signed when you opened your Bank of America account. Do not print your name; sign it. The bank compares your signature on the check to the signature they have on file. A check without a signature will not be processed.

Keeping track of the checks you write

Bank of America checks come with a checkbook register—a small booklet where you can record each check. Write down the check number, the date, the recipient's name, and the amount. Subtract each check from your running balance so you always know how much money you have left.

If you prefer not to use the paper register, you can track your checks in your Bank of America online banking account or in a spreadsheet on your phone or computer. The important thing is to record each check before you write it, so you don't accidentally spend money that's already committed to a check that hasn't cleared yet.

Common mistakes to avoid

The most common error is writing different amounts in numbers and in words. Double-check both before you hand over the check. Another mistake is signing with a different signature than the one on file with your bank—if the signatures don't match closely, the bank may reject the check.

Do not write a check for more money than you have in your account. If a check bounces (meaning the bank cannot pay it because there are insufficient funds), Bank of America will charge you a fee, and the recipient may also charge you a fee. You may also damage your banking relationship or credit if checks bounce repeatedly.

Frequently Asked Questions

Can I write a check to myself?

Yes. Write your own name on the "Pay to the Order of" line, sign the check, and deposit it into your Bank of America account through mobile deposit or at a branch. This is sometimes used to move money between accounts or to convert a check into cash.

What if I make a mistake while writing the check?

Do not cross out or use white-out. Tear up the check and write a new one. Banks will not process a check with visible corrections. If you've already given the check to someone, ask them to return it so you can write a replacement.

How long does a check take to clear?

Most checks clear within one to three business days, though it can vary depending on the recipient's bank and when they deposit it. Bank of America shows pending checks in your online account, so you can see which ones have been deposited but not yet cleared.

Is it safe to write checks, or should I use other payment methods?

Checks are generally safe if you write them carefully and only to people or businesses you trust. However, checks can be lost or stolen. For large payments or payments to unfamiliar recipients, consider using a bank transfer, credit card, or money order instead.

Do I need to order new checks from Bank of America?

Yes, when your checks run out, you can order new ones through your Bank of America online banking account, by phone, or at a branch. You can also order checks from third-party vendors, though Bank of America checks are convenient because they arrive pre-printed with your account information.