Writing a check with cents involves a few clear steps to ensure the amount is correctly represented both numerically and in words. Here's a simple guide to help you write a check with cents properly:
How to Write a Check with Cents
1. Write the Date
In the top right corner, write the current date. You can use the format MM/DD/YYYY or Month Day, Year.
2. Write the Payee's Name
On the line that says "Pay to the Order of," write the name of the person or organization you are paying.
3. Write the Amount in Numbers
In the box to the right of the payee line, write the amount of the check in numbers. For example, if you are paying $123.45, write:
123.45
Make sure to include the decimal point and cents.
4. Write the Amount in Words
On the line below the payee's name, write the amount in words. Write the dollar amount in words, then write the cents as a fraction over 100. For example, for $123.45, write:
One hundred twenty-three and 45/100
- Write "and" before the cents.
- Use a fraction for the cents (45/100 means 45 cents).
- Draw a line after the amount to fill the space and prevent alterations.
5. Write a Memo (Optional)
In the lower left corner, you can write a note about the purpose of the check (e.g., "Rent May" or "Invoice 123").
6. Sign the Check
Sign your name on the line in the bottom right corner to authorize the check.
Example
Field| Example
---|---
Date| May 18, 2025
Pay to the Order of| John Smith
Amount (numbers)| 123.45
Amount (words)| One hundred twenty-three and 45/100
Memo| Rent payment
Signature| Your signature
By following these steps, your check will clearly show the amount including cents, making it easy for the bank and payee to process it correctly.
