Justin Pritcdifficult, CFP, is a fee-only advisor and an professional on personal finance. He covers banking, loans, investing, mortgperiods, and more for The Balance. He has an MBA from the University of Coloraexecute, and has actually functioned for crmodify unions and also huge financial firms, in addition to writing about personal finance for even more than two decades.

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Janet Berry-Johnson is a CPA through 10 years of experience in public audit and also writes around revenue taxes and also tiny business bookkeeping for suppliers such as Forbes and Credit Fate.

Sample inspect. See below for a finish explacountry.Justin Pritchard

For example, assume you should write a check for eight dollars and fifteen cents (that’s $8.15). Tright here are 2 steps:

Write the amount using numbers (watch the red number one in the photo above).

First, write the amount in numeric formin thedollar box, located on the right side of your inspect beside the dollar authorize (“$”). Start by writing the number of dollars (“8”) adhered to by a decimal point or duration (“.”), and then the number of cents (“15”). Eventually, you’ll have “8.15” in the dollar box. For even more examples and also exercise questions, scroll dvery own.

Next, to create out the check’s amountin words, the two steps are similar:

Write out the dollar amount.Write the word “and also.”Write out the variety of cents.

The tricky component is placing the number of cents intofractivity format. To perform so, create the variety of cents, then create a slash (“/”), and also then write the number 100. Technically, this is the fractional amount of whole dollars.

Using our $8.15 example, write the following:

“Eight dollars”“and”“15/100”

Write everything togetheron one lineso that it reads “Eight dollars and also 15/100.” For a comprehensive instance of just how to write a inspect, check out astep-by-step tutorialthat supplies the very same amount.

Now that you have the fundamental principle, let’s look at the instance in more information.

No “cents”: You can notification that the word “cents” doesn’t appear anywhere—you don’t need to usage it when creating a inspect. It is enough to simply put the number of cents right into the format over. If you want, you have the right to certainly create “fifteen cents,” but it’s much easier and also much faster to use the fractivity format. Plus, your inspect most likely has actually the word “Dollars” at thefinish of the line, so it would not make feeling.

Words “and”:Include the word “and”simply beforeyou write exactly how many kind of cents the check is for (or just after you compose out the full dollar amount). You are creating a examine for dollarsandcents. If you favor, you can usage an ampersand (“&”) or plus authorize (“+”) rather. It is bestnotto use the word “and” somewhere else when you create out the amount. For example, the following instance is incorrect, and also the word “and” have to be removed: “One hundred and also five dollars.”


It could help to think in regards to percentages: The word percent originates from a Latin term that around converts to “per 100.” That’s why cents are dubbed “cents”—each one is one percentof a dollar.

Anvarious other means of looking at it is to think about that each cent is one one-hundredth of a dollar. When you create a examine, you note exactly how many dollars the check is for, including whole dollars too aspartialdollars—or cents.


Quiz time! Try a few even more to solidify the concept.Ricdifficult Goerg / Getty Images

To solidify the concept and also build the habit, try several different dollar quantities.

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

10.99Ten and also 99/100

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

11.05Elalso and also 5/100

Example:Write a examine for five dollars.

5.00. Note the double zero—you must constantly have actually two digits to the ideal of the decimal.Five and 00/100. Here, you can usage one or 2 zeros, but 2 is safer.

Example:Write a seventy-five-cent check.

0.75Zero dollars and also 75/100

You might have actually noticed that the last example was forless than one dollar. To write a check for less than a complete dollar, use a zero to present that therearen’tany type of dollars. After that, include the number of cents just prefer every one of the various other examples. You can additionally compose “No dollars and….” if you favor.

The five-dollar example deserve to likewise be confusing. Just compose a zero (or double zero) once tbelow isn’t any kind of various other number to usage. Some people would create that amount out as “Five dollars only,” which is additionally fine.


There are less complicated means to pay, and they're frequently cost-free.MoMo Productions / Getty Images

Want to make your life even easier? Use fewer checks—or at least have your financial institution write your checks for you.

Online bill paymentallows you to collection upautomatic payments or simply pay once you feel likeit. Your financial institution will pay electronically if possible, or print a check and mail it. This organization is typically totally free through many checking accounts, and you have the right to send payments to businesses and also individuals.

See more: Choose The Sentence That Contains An Indirect Object Examples

Debit cardscan be provided at vendors and also digital retailers. Just like a inspect, your delittle bit card pulls funds from your checking account. For daily spending, it may be safer to usage credit cards to reduce the possibility of errors and fraud hitting your checking account.

Peer-to-peer (P2P) payment servicesassist you sfinish money to friends and household,frequently for complimentary. Those solutions attract money from your checking account electronically, so you’ll instantly have actually a record of eexceptionally transactivity.