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How to write a check with cents – check with cents

How to write a check with cents – check with cents | write a check with cents


It’s the little things that get to you sometimes. You may be familiar with checks, but you can’t seem to figure out how to write out the amount. Writing a check in pennies is particularly difficult, but with a little practice, you’ll be able to do it without thinking in no time.
Consider the situation where you need to write a check for $8.15 (eight dollars and fifteen cents). There are two steps to this process:

  • Numbers are used for writing the amount.
  • Write the total in words.

$8.15, for example, is expressed as Eight and 15/100.

First, write the amount in numeric form in the dollar box, which is adjacent to the dollar symbol (“$”) on the right side of your check. Begin by putting the dollar amount (“8”), then a decimal point or period (“.”), and finally the cent amount (“15”). You’ll end up with “8.15” in the dollar box. Scroll down for additional examples and practice questions.

The following two procedures are equivalent for writing down the check’s amount in words:

  • Make a note of the dollar amount.
  • Fill in the blanks with the word “and.”
  • Make a count of how many pennies there are.

Putting the number of pennies into fraction representation is the hard step. To do so, first, write the amount in cents, then a slash (“/”), and then the number 100. This is the fractional amount of whole dollars in technical terms.

Write the following using our $8.15 example:

“Eight dollars” and “15/100,” respectively.

“Eight dollars and 15/100,” for example, should be written on one line. See a step-by-step guide that utilizes the same amount for a detailed illustration of how to write a check.

Let’s take a closer look at the example now that you’ve got the gist of it.

You’ll notice that the phrase “cents” isn’t mentioned anywhere; you don’t need to use it while writing a check. It is sufficient to simply enter the number of cents in the above manner. You can type “fifteen cents” if you wish, but it’s quicker and faster to use the fraction format. It wouldn’t make sense because your check presumably has the term “Dollars” at the end of the line.

The word “and”: Just before you write how much the cheque is for, include the word “and” (or just after you write out the full dollar amount). You’re making a dollars-and-cents check. An ampersand (“&”) or a plus sign (“+”) can be substituted if desired. When writing down the sum, it’s advisable to avoid using the phrase “and” elsewhere. The word “and” should be omitted from the following example: “$105.”


It could be helpful to think in percentages: Percentage is derived from a Latin concept that approximately translates to “per 100.” Cents are one percent of a dollar, which is why they’re called “cents.”

Another way to think about it is that each cent represents one-tenth of a dollar. When you write a check, you make a note of how many dollars it is for, including whole and half dollars—or cents.


Try a few different cash sums to solidify the concept and develop the habit.

Write a check for ten dollars and 99 cents, for example.

  • Ten and ninety-nine percent


Write a check for eleven dollars and five cents, for example.

  • 11:05 a.m. and 5/100


Write a five-dollar check, for example.

  • 5.00. You should always have two digits to the right of the decimal, as shown by the double zero.
  • 00/100 and five. You can use one or two zeros here, but two is the safer option.


Write a seventy-five-cent check, for example.

  • 0.75 cents and 75/100 cents

You may have noted that the previous example cost less than a dollar. Use a zero to signal that there aren’t any dollars on a check for less than a full dollar. After that, just like in the other examples, including the number of cents. If you like, you might put “No money and…”.

The five-dollar example can be perplexing as well. When there isn’t another number to use, just type a zero (or double zero). Some individuals would write “five dollars only” instead of “five dollars.” That’s acceptable, too.

How to Reduce the Number of Checks You Write

Do you want to make things even easy for yourself? Reduce the number of checks you use, or have your bank write them for you.

You can set up automatic payments or pay whenever you want using online bill payment. If possible, your bank will pay electronically; otherwise, it will print and mail a check. Most checking accounts offer this service for free, and you can transfer payments to both businesses and individuals.

Merchants and internet shops accept debit cards. Your debit card, like a cheque, draws money from your checking account. To limit the risk of errors and fraud impacting your checking account, it may be wiser to utilize credit cards for regular purchases. 1

Payment services that allow you to transmit money to friends and family for free are known as peer-to-peer (P2P). Those services electronically withdraw funds from your checking account, so you’ll have a record of every transaction.


Most Commonly Asked Questions (FAQs)

What happens if a check’s two amounts aren’t the same?

The bank will default to the written words rather than the figures if the amounts on the two lines of your cheque differ. To ensure that your check does not clear for a different amount than you planned, double-check the quantities.

What is the procedure for writing a voided check?

To set up direct deposit for your paychecks, you may need to supply an employer with a voided check. Simply write “VOID” in huge letters across the face of the cheque to do this. Make sure it covers the check’s lines and reads well, but don’t cover the printed digits on the bottom. These will be required by your employer in order to establish a relationship with your bank account.

How do you write a cash check?

If you want to get cash from a bank teller, make the check payable to “Cash” rather than a specific person. Simply type “Cash” on the payee line and fill in the desired amount of cash in the two places where the amount would typically be written. To cash the check, you’ll need to sign it both on the front and back. Writing the check out to yourself, on the other hand, is a safer option.




Techboardz is an entrepreneur and has a passion for article writing, he is an article writer and editor, he has full zeal to write


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