How to write a cheque

Need to double check before you write a cheque? Avoid any embarrassing bouncing situations by following this easy step by step guide.

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Here’s what your cheque should look like:
image of a blank cheque
Now here’s what to do:

  1. Write the date. In the top right corner, next to a box or line that says ‘Date’ there is a space for you to write the date. Always write the same date that you signed the cheque on, as this is a legal requirement.
  2. Write the recipient. Find the line that has ‘Pay’ written before it. That is where you identify the payee. If it’s a person, write their first and surnames. If it’s a company, make sure you have their company name correct for payments, only using acronyms if it is expressly asked for, and write that. You can also write ‘cash’ here, and that means anyone can take the cheque to the bank and get the cash from your account.
  3. Write the amount. Next to the pound sign (£) write the amount of money you want taken out of your account. Write this in figures, including the amount of pennies, even if that amount is zero. For example, if the amount is fifty pounds, write ‘50.00’ next to the pound sign.
  4. Write the amount (again). This time, you need to write the amount with letters on the line under the ‘pay’ line, making sure that no one can add to the amount you’ve written. If the amount is £50, write ‘fifty pounds only’ or just ‘fifty pounds’ with a line going from the end of the word through to the end of the line. This will mean that no one can write a cheeky addition and change the amount.
  5. Sign the cheque. In the bottom right corner there is a space for your signature. If you don’t sign there, the cheque won’t be valid, so this is a really important step.
  6. Fill out the ‘memo’ section (optional). It’s always good to keep a record of your outgoings, and with cheques this is the easiest way. Write the details of the check in the section before the tear away to the left of the cheque, and you’ll never forget a cheque again.

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4 Responses

  1. Default Gravatar
    ZainabApril 4, 2019

    If you give a £50 cheque to someone with their name written on it, For example ‘Jack Smith’, in your bank statement will it say ‘£50 gone to Jack Smith’? Or just £50 gone ?

    • Avatarfinder Customer Care
      nikkiangcoApril 5, 2019Staff

      Hi Zainab,

      Thanks for getting in touch with Finder! This will depend on how the bank records your transactions – normally it will show the cheque number only but it would be best to contact your bank and ask how they record or organize your account transactions. Hope this helps!

      Cheers,
      Nikki

  2. Default Gravatar
    BrianApril 4, 2019

    Is it illegal to issue a cheque knowing there are insufficient funds in your account to cover it i.e. it will either be bounced or create an unauthorised overdraft?

    • Avatarfinder Customer Care
      johnbasanesApril 5, 2019Staff

      Hi Brian,

      Thank you for reaching out to Finder.

      Yes it is illegal to issue a bounced check specially if you know during the time of writing that it would bounce. This is because presenting a cheque is considered, in law, to be a promise to pay – in effect, a clear admission that money is due.Please note that your bank may charge you a fee for a cheque that has bounced. Hope this helps!

      Cheers,
      Reggie

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