Writing numbers in words on a check can feel unfamiliar especially since most of us are used to typing numbers, not spelling them out. But when it comes to checks, this step is more than just tradition. It’s a key safeguard that helps banks verify your payment and prevent costly mistakes or fraud.
If you’ve ever hesitated while filling out that line on a check, you’re not alone. This guide breaks it down in plain English so you can do it correctly and confidently every time.
Why Writing Numbers in Words Matters
When you write a check, you enter the amount in two places:
-
In numbers (for example, $1,234.56)
-
In words (for example, One thousand two hundred thirty-four dollars and 56/100)
The written version is the official amount. If there’s ever a mismatch between the number and the words, banks rely on the words to determine how much money should be paid.
This extra step helps protect against:
-
Fraud (numbers are easier to alter than words)
-
Misreading handwriting
-
Disputes between the payer and recipient
Think of the written amount as the “final authority” on your check.
Where to Write the Amount in Words on a Check
You’ll find a long line below the “Pay to the order of” section. This is where you spell out the full dollar amount.
For example:
-
Numeric box: $250.75
-
Written line: Two hundred fifty dollars and 75/100
Most checks already have the word “Dollars” printed at the end of the line.
Step-by-Step: How to Convert Numbers Into Words
The easiest trick is to say the number out loud, then write exactly what you say.
Example 1: $45.00
Say it: forty-five dollars
Write it: Forty-five dollars and 00/100
Example 2: $1,234.56
Say it: one thousand two hundred thirty-four dollars and fifty-six cents
Write it: One thousand two hundred thirty-four dollars and 56/100
Example 3: $5,000.00
Say it: five thousand dollars
Write it: Five thousand dollars and 00/100
Important Rules You Should Know
These simple rules will help you avoid mistakes.
1. Use Words for Dollars, Fractions for Cents
Always write the dollar portion in words and the cents as a fraction out of 100.
Correct example:
Three hundred dollars and 25/100
Not recommended on checks:
Three hundred dollars and twenty-five cents
Banks prefer the fraction format because it’s clearer and standardized.
2. Use “And” Only for the Cents
On checks, the word “and” represents the decimal point.
Correct:
One hundred twenty dollars and 50/100
Incorrect:
One hundred and twenty dollars and 50/100
Avoid placing “and” between the hundreds and tens unless it refers to cents.
3. Use Hyphens for Numbers Between 21 and 99
Whenever the number includes tens and ones, connect them with a hyphen.
Examples:
-
Twenty-one
-
Forty-five
-
Ninety-nine
Example on a check:
Seventy-eight dollars and 00/100
4. Avoid Informal Shortcuts
Always write the full amount clearly. Avoid abbreviations or casual language.
Correct:
Two thousand dollars
Avoid:
2K dollars
Twenty hundred dollars
Formal wording reduces confusion and helps ensure smooth processing.
Real-Life Example: Filling Out a Check
Let’s say you’re paying rent for $1,850.75.
Here’s how you would complete the amount:
-
Numeric box: $1,850.75
-
Written line:
One thousand eight hundred fifty dollars and 75/100
This makes your intent clear and protects both you and your landlord.
How to Handle Large Numbers
Large amounts may seem intimidating, but the process stays the same. Break the number into parts.
Examples:
| Number | Written Form |
|---|---|
| $1,000 | One thousand dollars |
| $12,500 | Twelve thousand five hundred dollars |
| $1,000,000 | One million dollars |
| $2,450,000 | Two million four hundred fifty thousand dollars |
Work from left to right, saying each section out loud.
Common Mistakes to Avoid
Here are a few errors beginners often make:
Mismatch between numbers and words
Example:
Numeric: $500.00
Written: Five thousand dollars ❌
This can delay processing or cause disputes.
Forgetting the cents fraction
Even if there are no cents, write:
and 00/100
Using unclear handwriting
Write neatly so the bank can read it easily.
Do You Really Need to Write the Amount in Words?
Technically, some checks may still process if only the numeric amount is filled in. However, writing the amount in words is strongly recommended because:
-
Banks use it to confirm the correct amount
-
It helps prevent fraud
-
It reduces the risk of errors or rejected payments
Skipping it can cause delays or confusion.
Practice Tip: Start Small
If this feels difficult at first, practice with smaller amounts:
-
$25 → Twenty-five dollars and 00/100
-
$109 → One hundred nine dollars and 00/100
-
$1,520 → One thousand five hundred twenty dollars and 00/100
It gets easier quickly once you get used to the pattern.
Please take a look at this as well:
How to Write and Cash a Check Payable to Cash: Benefits, Risks, and Safer Alternatives
