How to Write a Check With Cents (Step-by-Step Guide)
Learn the proper way to include cents when writing a check to ensure your payment is processed correctly and securely.
How to Write Cents on a Check: Step-by-Step
Write the dollar amount in the box
In the amount box (usually on the right side of the "Pay to the order of" line), write the dollar amount followed by a decimal point and the cents amount.
Examples:
- $45.67 (for forty-five dollars and sixty-seven cents)
- $100.50 (for one hundred dollars and fifty cents)
- $23.05 (for twenty-three dollars and five cents)
- $1,234.56 (for one thousand two hundred thirty-four dollars and fifty-six cents)
Write out the dollar amount in words
On the line below "Pay to the order of," write out the dollar amount in words. Start at the far left of the line.
Examples:
- Forty-five dollars (for $45)
- One hundred dollars (for $100)
- One thousand two hundred thirty-four dollars (for $1,234)
Add the cents as a fraction
After writing the dollar amount in words, add the cents as a fraction over 100. Use the word "and" before the fraction.
Examples:
- Forty-five and 67/100 (for $45.67)
- One hundred and 50/100 (for $100.50)
- Twenty-three and 05/100 (for $23.05)
- One thousand two hundred thirty-four and 56/100 (for $1,234.56)
Add the word "Dollars"
After writing the dollar amount and cents fraction, add the word "Dollars" at the end.
Complete examples:
- Forty-five and 67/100 Dollars
- One hundred and 50/100 Dollars
- Twenty-three and 05/100 Dollars
Draw a line after the amount
After writing the full amount, draw a line through any remaining space on the line to prevent someone from altering the amount.
Example:
Forty-five and 67/100 Dollars ~~~~~~~~
Why Writing Cents Correctly Matters
When writing a check, properly formatting the cents portion is crucial. The difference between writing a check with and without cents might seem minor, but incorrect formatting can lead to confusion, payment errors, or even make your check vulnerable to fraud.
Banks process millions of checks daily, and clear formatting helps ensure your payment is processed exactly as intended. This guide will show you exactly how to write cents in both the numeric amount box and the written amount line.
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Why Learn to Write Checks?
Even in today's digital world, knowing how to write a check properly remains an essential financial skill. Checks are still commonly used for rent payments, small business transactions, gifts, and situations where electronic payments aren't accepted.
Our guide and templates ensure you'll always be prepared when you need to write a check, helping you avoid errors that could lead to payment issues or even fraud.
Common Mistakes to Avoid
Incorrect Decimal Placement
Don't write the decimal point too small or too close to the numbers. Make it clearly visible to prevent confusion between dollars and cents.
Omitting the Word "and"
Always include the word "and" before writing the cents portion. For example, write "One hundred twenty-three and 45/100" not "One hundred twenty-three 45/100".
Incorrect Fraction Format
Write cents as a fraction with 100 as the denominator (e.g., 45/100). Don't write it as a decimal (e.g., 0.45) or as words (e.g., "forty-five cents").
Frequently Asked Questions
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