How to write a cheque

Avoid a bounced payment by following this easy step-by-step guide.

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Online money management, mobile banking and digital payments are normal in the financial world, but there are still situations when you may need to resort to old fashioned means of handling money – enter cheques. But don’t be intimidated. Cheques are simpler to fill out than they look.

How to write a cheque

Sample blank Canadian cheque

1. Write the date in the top right corner, next to a box or line that says “Date.” Always write the same date as the date that you signed the cheque.

2. Write the recipient on the line next to “Pay to the order of.” If it’s a person, write their first and last name. If it’s a company, make sure you have the company name that’s used for payments, only using acronyms if asked to. You can also write cash here, and that means anyone can take the cheque to the bank and take the cash from your account.

3. Write the amount in numerals. Next to the dollar sign ($) write the amount of money you want taken out of your account in numerals. If the amount is less than $1, you still need to write $0. Include the cents you want withdrawn, even if the amount is zero. Do not use the cents sign (¢), and be sure to include 2 decimals. For example, if you want to write a cheque for fifty cents, you should write $0.50, not $.50, $.5 or 50¢.

4. Write the amount in words. Although not legally required, you should spell out the dollar amount in words on the line beneath the recipient, including the cents as a fraction like 25/100 or 89/100. This helps clarify the amount you want withdrawn.

The fraction is sometimes pre-printed on cheques with a blank numerator, so all you have to do is write the cents in the blank. For amounts less than $1, write zero dollars before writing the cents. If the word dollars is already printed on the cheque, you don’t have to write it yourself. Otherwise, you should.

It’s a good idea to draw a horizontal line connecting the dollars you wrote (in words) to the cents as this makes it impossible for anyone to use that otherwise blank space to change your dollar amount.

5. Sign the cheque. In the bottom right corner there is a space for your signature. Make sure you remember to sign the cheque! If you don’t, it won’t be valid.

6. Fill out the memo section (optional). Here, you can write what the cheque is for like rent payment, reimbursement for business expenses or security deposit. This part isn’t required, but it can remind the recipient what the purpose of the cheque is for record-keeping purposes.

What to do next…

Closeup of man filling out a cheque registerTear off the cheque and keep a record for yourself. If you’re using an old school carbon-copy cheque book, tear off the top copy of the cheque to give to your recipient. The second, lighter copy is yours to keep.

If your chequebook doesn’t come with carbon copies, make sure you fill out a cheque register with the details of the transaction. Your cheque book may come with a blank register at the front or back of it or may even include stubs attached to each cheque that remain in the book after the cheques are torn out. If this isn’t the case, you can buy a register separately.

A fully completed cheque should look something like the one below. Remember the memo field is optional.

Sample of a completed Canadian cheque

Pro tip

Make sure you write clearly! Avoid writing in bright or unusual colours – use dark ink, like black or blue, instead. This helps ensure that the information on the cheque is visible even if the writing has begun to fade or the paper has been scanned in as a digital image.

What do the numbers on a cheque mean?

Sample Canadian cheque showing what cheque numbers mean

The numbers on a cheque are like a roadmap to your account. This allows the recipient to “find” your money and withdraw the amount specified on the cheque. Technically, though, all the recipient does is deposit the cheque at his or her bank – the rest is done electronically through Canada’s clearinghouse and settlement systems.

  • The cheque number reflects the sequence of cheques in the cheque book (the first cheque will be 001, the second will be 002 etc.).
  • The transit number is used to identify your bank branch, which is likely the specific location where you opened the account. This is like the 9-digit routing number used by US banks, though transit and routing numbers cannot be used interchangeably. Online banks that don’t have any physical branches may provide all their customers with the same transit number to avoid confusion.
  • The institution number (also called the bank number) identifies your financial institution.
  • The account number identifies your specific account.

How to void a cheque

If you wrote the wrong amount on a cheque or are giving someone a cheque just to verify your bank account information, it’s important to make sure that no one can cash the cheque and take money out of your account. This can be done by writing VOID across the cheque. Be sure to write in clear, large letters, covering all the primary fields of the cheque.

Sample of a VOID Canadian cheque

How to write a cheque to yourself

If you want to move money from one account to another, you can write a cheque to yourself by putting your own name in the “Pay to the order of” field. Before depositing the cheque, you’ll have to endorse it by putting your signature in the appropriate field on the back.

What if I make a mistake while writing a cheque?

Although there’s a possibility that your cheque may be rejected by the bank, most of the time this can be avoided by (1) crossing out the error with a single, horizontal line, (2) writing the correct information above it and (3) initialing the change to indicate your approval.

Some mistakes, like writing out the wrong amount on the line, might be considered more consequential than others, and an initialed correction probably won’t be enough. In such cases, you’re probably better off voiding the cheque and writing a new one.

Sample Canadian cheque with corrected mistake

Bottom line

The easiest way to make payments is usually online or using a mobile app. But if you need to go old school, writing a cheque is simple. And, if you don’t have a cheque book handy, your bank may be able to print one off for you.

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