Writing a check can seem a bit old-fashioned in today's digital world, but it's still a fundamental skill that comes in handy for various situations – from paying rent to gifting money. If you bank with Truist, understanding how to properly fill out a check is crucial to ensure your payments are processed correctly and securely.
Ready to conquer the world of checks? Let's dive in!
Step 1: Gather Your Essentials
Alright, before we even think about putting pen to paper, let's make sure you have everything you need. This isn't just about having a checkbook; it's about being prepared!
- Your Truist Checkbook: Obviously! Make sure it's your checkbook and not someone else's. Double-check the account number at the bottom.
- A Reliable Pen: Seriously, don't underestimate the power of a good pen. A blue or black ink pen is preferred for clarity and security. Avoid pencils or erasable pens as they can easily be altered.
- The Payment Information: This is critical. You'll need:
- The exact name of the person or company you are paying (the "payee").
- The exact amount you are paying in numerical form.
- The current date.
- Optional but Recommended: A notepad or your phone to jot down the check number and details for your personal records (though we'll cover the check register later).
Step 2: Date the Check
This is the very first thing you should do, and it's located in the top right corner of your check.
- Locate the Date Line: You'll see a line typically labeled "Date" or with a space for it.
- Write the Current Date: Enter the current month, day, and year. For example, if today is June 15, 2025, you would write June 15, 2025 or 06/15/2025.
- Pro Tip: While you can post-date a check (write a future date), it's generally not recommended as the recipient might try to cash it early, potentially leading to an overdraft. Only post-date if you have a clear agreement with the payee.
Step 3: Write the Payee's Name
This is where you specify who will receive the money. Look for the line that usually says "Pay to the order of" or something similar.
- Write the Full Name or Organization: Carefully write the complete and accurate name of the person or company you are paying.
- Examples:
- If paying an individual: John Doe
- If paying a company: Utility Company Inc.
- Accuracy is Key: Any spelling errors here could cause issues when the check is deposited or cashed. If you're unsure of the exact spelling, ask the payee.
- Examples:
Step 4: Write the Numerical Amount
Now we move to the box on the right side, usually next to the payee line, where you'll write the amount in numbers.
- Enter the Dollar Amount: In the small box, write the exact amount of money you are paying, using a decimal point to separate dollars and cents.
- Example: For one hundred twenty-five dollars and fifty cents, you would write $125.50.
- Important: Start writing the numbers as far to the left as possible within the box to prevent anyone from adding extra digits in front of your amount.
- For Whole Dollars: If the amount is a whole dollar amount (e.g., $100), you can write $100.00.
Step 5: Write the Legal Amount (Words)
This is a very important step and acts as a safeguard. This line is typically below the payee line and stretches across most of the check.
- Convert the Numerical Amount to Words: Write out the dollar amount in words, followed by "and" and then the cents as a fraction over 100.
- Example: For $125.50, you would write: One Hundred Twenty-Five and 50/100
- For Whole Dollars: If it's a whole dollar amount like $100.00, you would write: One Hundred and 00/100 or One Hundred Dollars Only.
- Fill the Line: Draw a line from the end of your written amount all the way to the "Dollars" print on the check to prevent anyone from adding more words. This is a crucial security measure.
Step 6: Add a Memo (Optional but Recommended)
The "Memo" line is at the bottom left of your check. This line is for your personal reference and helps you remember why you wrote the check.
- Describe the Purpose: Briefly write what the payment is for.
- Examples:
- "June Rent"
- "Babysitting Services"
- "Car Repair"
- "Gift"
- This information does not affect the processing of the check, but it's incredibly useful for your own record-keeping.
- Examples:
Step 7: Sign Your Check
This is the final, and most crucial, step in authorizing the payment. Your signature makes the check legally binding.
- Sign in the Bottom Right Corner: Locate the signature line, usually in the bottom right corner.
- Use Your Legal Signature: Sign the check exactly as you would normally sign legal documents. Your signature should match the one Truist has on file for your account.
- Avoid nicknames or unreadable scribbles if they don't match your official signature.
Step 8: Record the Transaction in Your Check Register
This step is often overlooked but is paramount for good financial hygiene. Your check register is usually found at the front or back of your checkbook.
- Enter the Details Immediately: As soon as you finish writing the check, record the following:
- Check Number: This is usually pre-printed on the top right of your check.
- Date: The date you wrote the check.
- To Whom: The payee's name.
- Amount of Check: The numerical amount you wrote.
- Balance: Subtract the check amount from your previous balance to get your new running balance.
- Why this is important: This helps you track your spending, prevents overdrafts, and makes reconciling your bank statement much easier.
Step 9: Deliver the Check Securely
Once the check is written and recorded, ensure it reaches its intended recipient safely.
- In Person: If handing it directly, ensure it goes to the correct individual or department.
- Mail: If mailing, use a secure envelope and ensure the address is correct. Consider sending important checks via certified mail for a delivery record.
- Never send a blank or partially filled check.
And there you have it! You've successfully written a Truist check. With a little practice, this process will become second nature.
Frequently Asked Questions about Writing Truist Checks
How to find my account number on a Truist check? Your account number (also known as your Demand Deposit Account or DDA number) is the second set of numbers printed at the bottom of your Truist check, usually located between the routing number and the check number.
How to order new checks from Truist? You can order new checks from Truist by logging into your online banking account, visiting a Truist branch, or calling their customer service line. You'll typically need your account number and routing number.
How to void a Truist check? To void a Truist check, write the word "VOID" in large letters across the entire front of the check. It's best to write it several times to ensure it's clearly visible. Then, tear up the check or shred it to prevent misuse.
How to endorse a Truist check for deposit only? To endorse a Truist check for deposit only, turn the check over to the back. Write "For Deposit Only" followed by your signature and your Truist account number.
How to fill out a Truist check for cash? To write a Truist check for cash, write "Cash" in the "Pay to the order of" line. Be very cautious with cash checks, as anyone who possesses it can cash it.
How to write a check for less than one dollar on a Truist check? To write a Truist check for less than one dollar, write "Zero and [Cents Amount]/100" on the legal amount line (e.g., "Zero and 75/100"). In the numerical box, write "$0.XX" (e.g., "$0.75").
How to avoid common mistakes when writing a Truist check? To avoid common mistakes, always double-check the date, payee's name, and both numerical and written amounts. Use a permanent pen, fill in the "Dollars" line, and always record the check in your register immediately.
How to stop payment on a Truist check? You can stop payment on a Truist check by contacting Truist directly through their online banking portal, phone, or by visiting a branch. You will need the check number, date, payee, and amount. There may be a fee for this service.
How to reconcile my Truist checkbook with my bank statement? To reconcile, compare your check register entries with your Truist bank statement. Mark off cleared transactions on both. Identify any outstanding checks or deposits, and adjust your register balance accordingly to match your bank statement's cleared balance.
How to ensure the security of my Truist checks? Keep your Truist checkbook in a secure location. Never leave blank checks lying around. When mailing checks, ensure the envelope is sealed and the address is correct. Shred voided or old checks, and never share your account details unnecessarily.