You are about to buy a new supply of bank checks and wonder what information must be included on business and personal checks drawn on United States Banks. Regardless of the design or background artwork on your checks the information that is required on checks is the same for all banks.
Account holder name(s)
Address and phone number
Check and bank numbers
The date you write the check is entered on a line printed near the check number.
Pay to: line
A line must be printed with the notation “Pay to the order of” preceding the line. You will enter the name of the person or business to whom the check is written on this line.
The amount of the check is entered in two locations. At the end of the pay to line, the amount of the check is entered in numbers, for example, $125.50. A clarifying line of text just below the pay to line spells out the amount; for example, One hundred twenty-five and 50/100 dollars.
The bank that will pay against the check is identified on the check. This usually displays the bank logo and name, for example, Wells Fargo Bank, N.A. California, wellsfargo.com.
Bank reconciliation and sorting line
The bottom line on your checks must contain the information used to mechanically sort checks for return to your bank. The numbers will contain the bank routing number, your individual account number and the check number. The printed numbers must be printed in a special ink designated MIRC, for magnetic ink character recognition. A distinctive text font makes the line readable by high volume sorting equipment.
- BankersOnline.com :
- VersaCheck: Create custom Checks
- National Credit Union Administration. "Understanding a Check and Balancing a Checkbook." Accessed June 4, 2020.
- Consumer Financial Protection Bureau. "I Received a Check Where the Words and the Numbers for the Amount Are Different." Accessed June 4, 2020.
- Consumer Financial Protection Bureau. "Can a Bank or Credit Union Cash a Post-Dated Check Before the Date on the Check?" Accessed June 4, 2020.
- Consumer Financial Protection Bureau. "My Bank/Credit Union Cashed a Post-Dated Check Even Though I Told Them About the Post-Dated Check Before They Received It." Accessed June 4, 2020.
- Department of the Treasury. "U.S. Treasury Check Security Features." Accessed June 4, 2020.
- Federal Reserve Consumer Help. "Can a Bank Refuse to Cash My Check?" Accessed June 4, 2020.
- Georgia Department of Banking and Finance. "Check Fraud / Counterfeit Checks." Accessed June 4, 2020.
- American Bankers Association. "ABA Routing Number." Accessed June 4, 2020.
Ned Millis has been published in "Tennis Industry Magazine," "Golf Industry Magazine," "Sales Management Magazine" and other trade publications. He is a graduate of Claremont Men's College.