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Safety Tips for Writing Personal Checks   by William A. Gordon

For anyone that has little experience in check writing, it is strongly recommended that you read on. Although, safely writing a check may not be the hardest thing you'll ever do, it is one of the most important.

Never Use a Pencil

Writing a personal check with a pencil leaves you at a huge risk of fraud. Someone could erase what you have written and simply fill in the blanks with how much money they'd like to receive. To keep from handing out blank checks to people, use some sort of ink. Though most people would say that a pen is good enough, it is best to use a permanent marker if at all possible. This is important because there have been instances where people have engaged in "check washing", a process where criminals use chemicals to remove ink from checks. If you go with permanent marker, this won't happen to you.

Dating and Identifying

When you first look at the check, it might seem complicated. All of those blanks are easy to fill out once you have all of the information, though. The first step is to fill out the current date on the check. Make sure to correctly identify the date, as post-dating a check is actually illegal. Once you've done that, you should write the name of the person who will be receiving the check on the "pay to the order of" line. Be sure to include their complete name.

When Filling in the Amount

The most important article of information on the check, of course, is the dollar value that you are assigning to it. It is required to write the amount in two places. Put this information in the dollar amount line first. The line is titled Dollars and is located below the Pay to the order of line. When you write out the amount, write it out in full, including any cents. To prevent someone from changing your numbers, you must fill out this area of the check. Afterward, you will need to print the numbers in the box to the right.

Signing Your Check

Once you've filled out all other areas of the check, you'll need to place your signature on the check. When signing the check, it is important to remember that your signature shouldn't vary too greatly from how you normally sign checks or documents. It should resemble your driver's license signature for a reference if need be. If exceptional care is not taken in the signing process, then your bank could very well single the check out as a potential fraud, leaving you having to answer a barrage of irritating questions about a legitimate check. Due to ever increasing check fraud and forgery, banks pay close attention to signatures and make sure they match. Finally, you have the option of filling out the "info" section of the check. Just to keep their bookkeeping organized and efficient, most people like to note what the check is for. Generally, if you give out more information, you will be in better shape.

In general, it isn't difficult to write a check. However, check writing isn't something that should be taken lightly. Be certain to take a great deal of care in filling out each section of the check as carefully and completely as possible, so as to minimize the possibility that your check will be manipulated. This will prevent future headaches from occurring.

About the Author

William Gordon authors articles on many check and banking related consumer topics such as checking security and how to find discount personal checks, checks by designers and unique checkbook covers.

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