Justin Pritchard, CFP, is a fee-only advisor and also an professional on personal finance. The covers banking, loans, investing, mortgages, and much more for The Balance. He has actually an MBA native the college of Colorado, and also has worked for credit unions and big financial firms, in enhancement to writing about an individual finance for an ext than 2 decades.

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Janet Berry-Johnson is a CPA v 10 year of suffer in public audit and writes around income counting and tiny business accountancy for suppliers such together Forbes and Credit Karma.
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Sample check. See below for a finish explanation.Justin Pritchard

For example, assume you have to write a inspect for eight dollars and also fifteen cents (that’s $8.15). There are two steps:

Write the amount making use of numbers (see the red number one in the snapshot above).

First, write the quantity in numeric formin thedollar box, situated on the right side of your inspect next come the dollar authorize (“$”). Start by composing the number of dollars (“8”) adhered to by a decimal point or period (“.”), and then the number of cents (“15”). Ultimately, you’ll have “8.15” in the dollar box. For more examples and also practice questions, scroll down.

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

Write out the dollar amount.Write words “and.”Write out the number of cents.

The tricky component is placing the variety of cents intofraction format. To execute so, compose the number of cents, then compose a slash (“/”), and then compose the number 100. Technically, this is the fractional lot of whole 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 also 15/100.” for a in-depth example of just how to write a check, watch astep-by-step tutorialthat supplies the exact same amount.

Now that you have the an easy idea, let’s look in ~ the example in much more detail.

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

The indigenous “and”:Include words “and”just beforeyou write how numerous cents the check is for (or just after you compose out the full dollar amount). You space writing a inspect for dollarsandcents. If you like, you deserve to use an ampersand (“&”) or plus authorize (“+”) instead. The is bestnotto use words “and” in other places when you write out the amount. For example, the following instance is incorrect, and also the word “and” should be removed: “One hundred and five dollars.”

Percentages

It might help to think in regards to percentages: words percent comes from a Latin term that approximately translates to “per 100.” that’s why cents are referred to as “cents”—each one is one percentof a dollar.

Another means of looking at it is to consider that every cent is one one-hundredth of a dollar. Once you compose a check, you keep in mind how many dollars the examine is for, including whole dollars too aspartialdollars—or cents.


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

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

Example:Write ten dollars and 99 cents on a check.

10.99Ten and 99/100

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

11.05Eleven and 5/100

Example:Write a inspect for 5 dollars.

5.00. Keep in mind the dual zero—you should always have two digits to the ideal of the decimal.Five and also 00/100. Here, you can use one or two zeros, but two is safer.

Example:Write a seventy-five-cent check.

0.75Zero dollars and 75/100

You might have noticed the the last example was forless 보다 one dollar. To create a inspect for less than a complete dollar, use a zero to display that therearen’tany dollars. After ~ that, include the number of cents just like all of the other examples. Friend can likewise write “No dollars and….” if friend prefer.

The five-dollar instance can additionally be confusing. Just write a zero (or dual zero) when there isn’t any kind of other number come use. Some world would write that lot out together “Five dollars only,” which is likewise fine.


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There are much easier ways come pay, and they're regularly free.MoMo Productions / Getty Images

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

Online invoice paymentallows girlfriend to collection upautomatic payment or simply pay once you feeling likeit. Your financial institution will salary electronically if possible, or publish a check and mail it. This business is typically complimentary with most checking accounts, and also you have the right to send payments to businesses and individuals.

See more: Question: What Percent Of 10 Is 15 Is What Percent Of 10? = 150

Debit cardscan be used at merchants and also online retailers. Similar to a check, her debit card pulls funds from your checking account. For daily spending, it might be safer to use credit cards to reduce the chance of errors and also fraud hitting her checking account.

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