How to Write and Endorse a Check

A properly completed check does more than help your payment go through smoothly. It can also protect your account from fraud. With check fraud remaining a common threat, even small details can make a meaningful difference.

Writing a Check for Payment

1. Start by writing the date in the top-right corner of the check.

   • This helps both the bank and the payee know when the check was issued. You can write the date in either format: September 16, 2026, or 09/16/2026.

   • Post-dating a check: A post-dated check includes a future date. If you choose to post-date a check, notify the payee and clearly communicate when you intend for the check to be deposited or cashed.

2. Write the full legal name of the person or business receiving the payment next to ‘Pay to the Order of.’

   • Avoid using nicknames or abbreviations. This helps ensure the payment is accepted and processed without issue.

3. In the small box on the right-hand side, write the amount of the payment in numbers. Be sure to include dollars, cents, and a decimal point, even if there are no cents. For example: 1,400.00. This allows automated teller machines (ATMs) and bankers to accurately process the payment.

4. On the line beneath ‘Pay to the Order of,’ write the payment amount in words. This must match the numerical amount. Continuing with the example above, the check should say, “One Thousand Four Hundred Dollars and 00/100." Clear spelling is important to avoid confusion and delays.

5. Sign your name in the bottom-right corner using the signature you provided when opening your account.

   • This confirms that you authorize the payment and details provided on the check. Without a signature, the check will not be processed.

6. The memo line is optional, but can be used to help with account reconciliation. Use the memo line to note the purpose of the payment. For example: September Rent, Utility Bill, or Invoice #1234.

Endorsing a Check

Endorsing a check means signing your name on the back. It is important not to sign the back until you are ready to deposit or cash the check at the bank, an ATM, or mobile deposit. Signing early could allow someone else to cash it if the check is lost or stolen.

How to Correctly Sign a Check

• Sign using your legal name

• If the check is made out to a variation of your name, such as Pat instead of Patricia, sign that name first, then sign your legal name below it.

• Use a permanent-ink pen

• Write clearly and legibly