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Step-by-Step Guide to Writing a Check

In the age of digital transactions, writing a check may seem outdated. However, there are still occasions when you might need to write a check, such as for a down payment on a house or a monthly rent payment. Writing a check is straightforward once you understand the process. Here, O1ne Mortgage offers a step-by-step guide on how to write a check.

Step-by-Step Guide to Writing a Check

Once you know what appears on a check, writing one is simple. Follow these seven steps:

1. Write Down the Date

In the upper right-hand corner, jot down the date. Write out the month, followed by the day and year. For example, August 1, 2023.

2. Put Down the Recipient’s Name

Below and to the left of the date line, you’ll see “Pay to the order of.” Write the name of the person or organization you’re paying.

3. Fill in the Dollar Amount

To the right of the “Pay to the order of” line is a box with a dollar sign. Enter the amount in dollars and cents. For example, 1,000.00.

4. Spell Out the Dollar Amount

Below the “Pay to the order of” line, spell out the dollar amount. For example, “One hundred twenty-six dollars and 50/100 cents.”

5. Complete the Memo Line

In the lower left-hand corner, use the memo line to describe the purpose of the check, such as “rent.”

6. Sign the Check

In the bottom right-hand corner, sign your name. Ensure your signature matches the name printed on the check.

7. Record the Check in Your Checkbook

Record the check details in your checkbook register to keep track of transactions.

How to Keep Your Checks Secure

While checks are generally secure, follow these practices to ensure your check isn’t misused:

• Use a pen to write checks, preferably a black gel pen.
• Never hand anyone a blank check.
• Avoid leaving blank spaces on the check.
• Order checks from a reputable company.
• Keep checks in a safe place.
• Monitor your account to ensure checks are deposited or cashed.
• Be cautious when mailing checks.
• Shred checks instead of tossing them in the trash.

How Do You Cash a Check?

You can cash or deposit a check at your bank or credit union, the issuing financial institution, an ATM, or with a mobile app. You may also cash it at a store. Always endorse the back of the check before cashing or depositing it.

Alternatives to Writing a Check

Consider these alternatives to writing a check:

• Online payments through your bank or credit union.
• Payment apps like Zelle, Venmo, PayPal, or Cash App.
• Cashier’s checks.
• Money orders.
• Debit cards.
• Credit cards.

The Bottom Line

While paper checks are becoming less common, it’s still useful to know how to write one. Whether you usually transact online or via debit card, you might encounter situations where a paper check is necessary.

For any mortgage-related needs, call O1ne Mortgage at 213-732-3074. We’re here to help!

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