How to Read a Check

Banking Basics:
How to Read a Check

Are you a new or soon-to-be checking account holder and curious what all is included on a check? Here is a quick summary that will help inform your curious mind.

1. Name and Address

   This is the name and address of the checking account holder and helps the bank and the payee know how to contact the account holder, if needed.
   

2. Check Number

   Each check has a different number and is displayed in the top right corner and on the bottom right. This is used to help differentiate one check from another and know which check you are writing. It can also be used for tracking in the event your checkbook gets lost or stolen. You can tell your bank which check numbers are missing and your bank can watch for fraudulent checks.
   
   

3. Date

   This is the where you write the date that the check is written and helps your bank understand when you intended to pay your payee.
   
   

4. Pay To The Order Of

   This is the individual or organization that that you write the check to, also referred to as the payee.
   
   

5. Numeric Amount

   Numeric amount is where you write the amount of the check using numbers/digits.
   
   

6. Written Amount

   To help ensure your check is cashed for the correct amount, a written amount is also required. Here, you enter the dollar amount in word form to match your numeric amount.
   
   

7. Memo/For Line

   This section is optional but can help you or your payee remember what the check was written for. For example, “June rent” or “June lawn mowing”.
   
   

8. Signature

   This is where you sign your name to verify that you wrote the check.
   
   

9. Routing Number

   The routing number is the string of numbers on the bottom left side of your check. It identifies your bank within the banking system.
   
   

10. Checking Account Number

    Your checking account number is the middle set of numbers and is used to indicate to your bank the account from which the check will draw funds from.
    
    

11. Back Side: Endorsement Section

    When you a check is written to you, this is where you sign your name when cashing or depositing the check.
    
    

Now that you know all the information included on a check, it’s time to learn how to write a check. If you have questions about opening a checking account, filling out checks or managing your checking account, a Personal Banker from FNBO would be happy to answer them. Give us a call today.