This is a sample check issued by any bank or credit union, very common.
The first thing I’m going to go over is the date, your date would go here; it is the day you are acquiring the service or product from a vendor or you are mailing out the check.
You cannot future date or post date a check. However, some people do it; it really depends on the vendor.
This is what we call the marker. Your name and address go here or your business name and address would go here.
You can have the phone number as well; you can choose to have that printed when you order your checks.
This is the payee line or what is commonly “pay to the order of.” This is the person who you are making out the check to or the business; their name would go here.
This is the signature line, you signature would be above this line.
This is the written amount box in numerical form. So here we are making out the check to J S Lawn Maintenance. I highly recommend that you leave as little space as possible between the border and the written amount, so no one can commit fraud and insert a 1 or a 2.
So instead of writing $90 check, guess what, somebody puts a 2 there, you just wrote a check for $290 that might get debited from your account.
The banks actually look for this line. They want to make sure the amount written here in word form, and the written amount here in numerical form match. But this amount supersedes this amount. So a banker is viewing your check, they will pay more attention to this; this is properly written.
And I do highly recommend that you have this line here to prevent fraud, to prevent somebody from writing additional information, so you find out by accident or by unfortunate statement checking that somebody made the check out for a higher amount, your account gets debited.
So it is very important that you start from the beginning here and have a line cross this blank space, if nothing is written in this area.
This is the memo line or some checks you will see for, it is optional for your own records, just want to know what product or service you require, what was the reason for writing the check.
In this instance it is lawn maintenance, I wrote the check out for lawn care.
Each check has its own individual check number, which is found on the top right hand corner and at the bottom as well, so no check number is the same in the checkbook that you order.
This is the routing number, it is a little more detailed information than I would like to go over in this tutorial. But for all intensive purposes, this is used by member banks for routing checks.
This is the account number which is your personal account number and it at the bottom of the check, right next to the routing number.
The bank information is here, the bank address you will find here as well. And bank information in numerical form here.