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How To Write A Check
By Leeanne Utiger
Learn how to write a check, and not be bothered with the hassle of having to make sure you have cash on you again. Well, of course this will also depend on whether or not the bank you have all of your financial dealings with, will in fact let you run a check book. Some banks have a high standard of criteria before they will consider letting you have use of such a thing as a check book. This is because, where cash is money instantly, a check is basically a piece of legal paper waiting to be honoured, another words, in easy terminology, a promise of money awaiting to be exchanged for cash (money).
Anyway enough about what a check actually is and, whether or not, your bank will in fact let you run a check book account. We are here to go into detail about how to write a check. So now that you know the basics of what a check is, and obviously are either considering opening up a check book account or already do have a check book account, you will now need to learn how to write a check.
When you frequent a store to make a purchase, or a business for one reason or another, or simply wish to make a payment off something such as, your electricity account for example, you may wish to write out a check, as opposed to handing over cash. You will first need to make sure you have enough financial funds or means in the check book account to be able to write out a check, and therefore have it honoured. If you do not have enough financial funds or means in the check book account, you should not write a check out. I say 'should not', only because you actually can still write out a check if you know that you will have funds deposited into your check book account before the time period it takes for a check to be 'cleared' is up. This is not recommended, yet many people do in fact do this. If it turns out though that on choosing to write a check without the required funds being in the account, and the funds do not get deposited before the check clears, then the check will in fact 'bounce'. This simply means the check will not be honoured. This will also in most cases and with most financial banks, make you liable for a charge, to cover an dishonored check.
Back to knowing how to write a check. You will need to place the date of the day in question on the check in the appropriate place. Most requirements that you need to write on the check are clearly marked for you and spaces are available for you tot write in. On first writing the date on the check, it is then wise to write the name of the store, or business or company on the check, once again the allocated appropriate place. Then you will need to fill out the amount the check is to be made out for. This means, on the salesperson telling you how much an item you want to buy will cost, of on looking at an account from a business, or company, (such as an electricity company), you can then place this figure given or shown, in the correct place on the check. You will not only have a place to fill this total out in digit form, but also an allocated place to write the total figure out in full using words. Then last of all, you will need to sign your signature on the check. Just briefly going back to when you fill out the name of the business, company or store in question. In some of these places, the place involved will have on hand a prepared stamp with all of the necessarily details on it, for this very thing. This will save you having to write their details on your check, instead you simply stamp their details in to the allocated place - the same place as to where you would have to write it.
Now that you have learned how to write a check, in addition to this, you need to know how to write out a check butt. This is all part of the process of in fact being able to write a check. The check butt is the other piece of paper attached to your check. There should be a perforated line between the check butt and the check. Once you have had to write out a check, you tear the check away form the check butt and give the check to the business, store or company salesperson/consultant, come what may, or place it in an envelope and post it to where it has to get to. So what you are left with in your check book on the page where your check was, is the check butt. You do not throw this away, You keep it, this is fact very important and helps you to balance your check book and keep track of the funds left in your check account.
Every time you write a check, as I said, you will have to fill out the check butt for that particular check. It will already have a check number stamped on it, which will correspond to a check number already stamped on the check you have just handed over to someone. On your check butt, you will again have to fill out the date of the day in question of purchase, or payment. The name of the business, company or store, and the total cost of payment.
Then you will need to know how to fill out the page where you keep track of the check book accounts balance, and be able to know what available amount of funds you do in fact now have in your check account. These pages are generally at the back of all check books. But banks will vary on how they set things up. On turning to this section within your check book however, fill out the total cost you have just made your check out for, and take that cost off the positive balance above. You will now be left with a new balance.
Now that I have given you a few details about how to write a check and how to look after your check book, don't over spend.
See Also:
For more advice on how to write a check, see:
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