Although checks have fallen into disuse, they are still a valid means of payment in the United States and . To give you an idea, NGPF states that users over the age of 25 usually write about three checks a month, a number that gradually increases depending on the age of the consumer.
Do these figures surprise us? Probably not (and you shouldn’t be surprised either). And it is that, checks are extremely useful for paying household bills -especially by post- or send donations to charity. They are also a good means of paying employee fees or salaries, since they leave a physical record of the transaction.
That said, what we cannot deny is that not everyone knows how to write a First Bank check or any other bank. The bad part? Well, checks don’t come with an instruction manual. The good part? We do have them!
- 1 Why learn to write a First Bank check?
- 2 How to fill out a First Bank check? Step by Step
Why learn to write a First Bank check?
Before we continue, here’s something you should know: If you don’t fill out a check correctly, the payee won’t be able to deposit or cash it. But this is not all: the bank could even charge you a fee or penalty for the return of that specific check (something that would not happen if, before giving the check to the beneficiary, you canceled the check and issued a new one without errors, amendments or erasures). ).
How much does First Bank charge for a check that cannot be cashed or deposited at the teller or ATM? Total of $12. To this fee should be added the inconvenience of having to replace the check with another or pay with another means of payment, such as a debit card, for example.
How to fill out a First Bank check? Step by Step
To learn how to write a First Bank check, the first thing you should do is study its characteristics:
- On the front left corner, you will see 1) your full name, address, city, state, and zip code.
- In the right corner of the front, you will see four digits that correspond to the 2) check number.
- In the central part of the check, you will see the spaces to fill in: 3) date (date), 4) pay to the order of (pay to), 5) a box with a dollar symbol ($) -here will be the amount of money in figures- and a line that ends with the word “dollars” in which you will have to 6) write the amount in letters.
- At the end (on the right) you will see a section 7) “Memo”, which will serve to put some description of the check, for example: T-Mobile bill payment 555.
- At the end (but on the left) you will see an empty line, which is where it goes 8) the signature of the account holder(s).
- At the bottom of the front of the check you will find a numerical series: the first nine digits correspond to the 9) Bank Routing Number; the next ten digits are 10) the last of your checking account, and the last four digits will be the 11) check number which will exactly match the one in the top right corner.
Note: Look at the numbers in bold, as they will help you follow the steps that we will show you next to fill out your First Bank check.
The back of the check has a series of spaces printed on it that are for endorsements. Remember that, In order for the recipient to cash the check, they will need to sign this space.
#1 Write the date of the turning day
In part 2) of the check you will see a box (box) that is reserved for the date. Note that it is a small space, so we recommend you write it in an abbreviated way. Remember that month comes first, then day and year. For example, if it is “March 01, 2021”, you would write “03/01/2021” or “03-01-2021”.
#2 Write the name of the beneficiary
In this section -“Pay to the order of”, identified above with number 4)- you must specify the person who will receive the funds from the check. It can be a natural person, a company, an organization, etc. Don’t leave this space blank! If someone other than the recipient finds the check and puts their name in this section, they will be able to cash it without any limitation.
Tip: Type the beneficiary’s full name as it appears on their personal ID. Otherwise, you will have trouble cashing the check.
#3 Write the amount of money in figures
In this section -number 5- write the amount of the check in numbers. For security, we recommend that you also write a hyphen at the beginning of the figures and the cents at the end. If the amount is round, write “.00” at the end of the expressed amount. Example: -$2,500.00, -$2,501.50.
#4 Write the amount in letters
On the line that ends with the word “DOLLARS”, (identified with the number 6 by us in this article), you must write the number in letters. Remember to write the amount in English and also represent the cents.
How can you write the cents? in fractions. Continuing with the same quantities as in the previous examples, you should write:
- Two thousand five hundred 00/100 dollars
- Two thousand five hundred and one 50/100 dollars
#5 (Optional) Write a payment review
In the “Memo” part -identified with the number 7- you can put something that refers to the payment. Basically, this will be an official check note that can help the payee – or yourself – keep track of payments.
However, remember that this section is optional. You can add details of the bills you are paying, the reason for issuing the check (birthday gift, for example) or any other information.
#6 Sign the check and voila!
To finish, sign the check in the lower right corner. Remember not to sign all the checks in your checkbook – not even one – to save time or leave some signed checks with a family member in case of an emergency. Think that if you lose the checkbook, you could also lose your savings. The ideal time to sign a check is when you are actually writing it to make a payment, not before.
Before handing the check to the payee, we recommend check carefully all the data. Thus, you will ensure that you have not made mistakes.
Important tip: If you make a mistake filling out your First Bank check, we recommend that you cross it out and record it as a voided check to start over. Banks do not accept checks with amendments, crossed out, stains or smudges.