Even if you don’t write checks often, it’s still a good skill to have in your back pocket. Here’s a quick breakdown of what goes where – and why it matters.

The Anatomy of a Check

1. Date (Top Right Corner)
   Write today’s date. This helps the person or business you’re paying know when the check was written.
2. Pay to the Order of (Left Side)
   This is who you’re paying – a person, a business, or an organization. Make sure the name is spelled correctly.
3. Amount in Numbers (Small Box on the Right)
   Write the amount you’re paying in numbers – for example, 125.00.
4. Amount in Words (Line Below “Pay to the Order of”)
   Write the same amount, but in words. This helps confirm the amount and prevents fraud.
   Example: One hundred twenty-five and 00/100.
5. Memo (Bottom Left – Optional)
   This is a quick note about what the check is for. Rent? Birthday gift? Water bill? It’s for your records and theirs.
6. Signature (Bottom Right)
   Sign your name the same way it appears on your account. No signature = no valid check.

Quick Tips

• Use a pen: Pencil can be erased.
• Fill out every field: Don’t leave blank spaces.
• Keep a record: Jot it down in your check register or another safe place
• Receiving a check? Use the Hills Bank mobile app to submit a mobile check deposit. 

Need help balancing your checkbook or figuring out when to use a check vs. online payment? We’re happy to walk you through it – just stop by your local Hills Bank branch, give us a call at 1-800-445-5725, or chat with us using the bubble below!