Check Writing Converter
Convert numeric amounts to words for accurate check writing
Legal Disclaimer: This tool provides general guidance only. Always verify amount wording matches the numeric value before signing checks or legal documents.
Tip: Draw a line after the amount words to prevent tampering (e.g., "One hundred twenty-five and 00/100------").
Payee Details
Check Writing Format
In words:
Check Writing Tips:
- Write amounts starting at the far left to prevent alteration
- Use cursive writing when possible for better security
Proper Check Writing Protocol
Security Features
- Always use permanent ink (never pencil)
- Draw lines after payee name and amount words
- Write cents as a fraction (e.g., 45/100)
- Sign consistently with your official signature
Common Mistakes
- Leaving spaces that could allow alterations
- Forgetting to write "and" before the cents amount
- Not matching numeric and word amounts exactly
- Omitting the decimal point in numeric amount
"Checks with properly written amounts experience 67% fewer processing errors and are 42% less likely to be targets of fraud attempts."
Check Writing Examples
One hundred twenty-five and 95/100 dollars
Note the "and" before cents and the fraction format
One thousand two hundred fifty and 00/100 dollars
Include the cents even for whole dollar amounts
Zero and 45/100 dollars
Start with "Zero" when amount is less than one dollar
Pro Tip: When writing amounts less than $1, you can optionally write "Only" before the amount (e.g., "Only zero and 45/100 dollars") to emphasize the small amount.
Frequently Asked Questions
Why do checks require amounts in words?
The written amount serves as a legal safeguard against alterations. If there's a discrepancy between numeric and word amounts, banks typically honor the word amount. This practice dates back to when checks were handwritten and more susceptible to fraud.
How should I write cents on a check?
Cents should be written as a fraction over 100 (e.g., 45/100). Always include the cents portion, even if it's "00/100" for whole dollar amounts. This prevents anyone from adding numbers to the amount.
What's the proper way to write dollar amounts?
1) Start at the far left, 2) Write the dollar amount in words, 3) Include "and", 4) Write the cent amount as a fraction, 5) Add "dollars" at the end, 6) Draw a line through remaining space. Example: "One hundred twenty-five and 45/100 dollars------".
Do I need to include "dollars" after the amount?
While not strictly required, it's recommended for clarity and completeness. Some institutions may return checks without it. The phrase helps confirm the currency type and completes the legal amount wording.
How do I correct a mistake when writing a check?
For significant errors (wrong amount or payee), void the check and start a new one. For minor pen slips, draw a single line through the error, write the correction above, and initial nearby. Never use correction fluid on checks.