Whether you’re just beginning to manage a checkbook or you've been doing it for years, you must be aware of current regulations. Here are some basic rules you should know when it comes to writing checks.
Use a Pen
Do not use a pencil, not even a colored one. Your writing can be erased. Gel pens work better than ballpoints because the writing doesn’t totally disappear when it comes in contact with liquids used to remove ink.
Write the Correct Date
Most banks say they won’t cash checks that are more than 6 months old. In reality, bank equipment does not read dates, so banks reserve the right to pay those checks.
Request Stop Payments When Necessary
If you think a check is lost or you do not want it cashed, issue a Stop Payment order through your bank. You will most likely pay a fee for this service.
Be Careful if You Post-Date
A check is negotiable when written, and bank tellers don’t always note the date. If you don’t have the money in your account, you can ask the payee to wait before cashing it but, if he doesn't, you will be liable for insufficient funds charges.
Prevent Changes in Amounts
Draw a line to fill the space after writing the amount; this prevents additional zeros from being added.
Avoid Bounced Checks
Balance your checkbook when the statement comes. This way you can be sure that you have enough money in your account to cover any checks you write.
Rosanne Knorr is an award-winning writer, editor and author since 1980. She has written feature articles for countless publications and has authored 13 books including "The Grown-Up's Guide to Running Away from Home." She ghostwrites books on financial and lifestyle topics. She has taught creative writing and speaks on writing and travel topics. Knorr holds a Bachelor of Arts in English.