Even in todays world of online finance there are still many instances where writing a cheque in the UK may be needed.
Follow our simple guide and start writing checks with confidence –
Cheque books usually contain up to 30 cheques and a few bank credit slips for paying money into your account. The cheques are usually ‘crossed’ on the front with the wording ‘A/C Payee’, meaning that the cheque can only be paid through a bank account and not cashed in over the counter (This is a security measure to stop thieves who may have stolen your check book writing out cheques for ‘cash’).
Usually printed at the bottom of the cheque will be the cheque number, the sort code which is a 6 digit number that identifies your bank and branch, and your 8 digit account number.
Usually in the top right hand corner will be where you enter the date, the date can be written in any format, ie 12/3/2019, or even 12th March 2019.
You can also ‘post date’ a cheque, meaning writing a date in the future so that the cheque cannot be cashed until that date.
On the line that states ‘Pay’ write the name of the person or company you wish to pay.
On the right of the cheque, in the box with the pre-printed £, write in numerals the amount, including both pounds and pence, for example 42.70.
If no pence is owing ie £87, then either write 87.00 or add a long dash 87-, this is to stop anyone adding a number to it, as £87 could easily be turned into £879.
On the line under the person or company that is receiving the cheque, write the amount payable in words, for example ‘Eighty two pounds and fifty pence’.
If there is no pence owing ie £25.00, then it is a good idea to write the word ‘only’ after the amount to stop anyone adding to it, so the amount written would be ‘Twenty five pounds only’.
Near the bottom right hand corner on the line under the printed name of the account holder, sign your cheque with your signature.
Make sure your signature is the same as your bank has got on file for you, otherwise the cheque may be rejected.
On the cheque stub attached make a copy of the amount, date and recepient of the cheque for your records.
The last thing to do is to look over your cheque and make sure you haven’t left anything out or made a mistake.