How To Write A Check Without Cents (Guide) 2021

Writing a check might be among the easiest things you’ll ever do because almost every box and line is labelled, but you still need to know how to write the information there. Yet, there is only one particular aspect when writing out the amount, and that’s what we want to help you with it. On how to write zero cents on a check?

Components of a Check

To brief you about your question, we will explain how to fill out each section of the check correctly. If you’re a check-writing whiz who is only browsing for clarification on how to write a check without cents, you can jump to Line 4. And for those of you who are less optimistic in this area, you don’t have to worry; you’ll get to know everything you want to by the end of this article.

How To Write A Check Without Cents

Line 1 – Date

One could spot this line near the upper-right nook of the check. Pen down the date by employing the “month, day, year” structure. You can also use a numerical style (3/28/2021) or write in the monthly form (March 28, 2021); either way is acceptable.

Line 2 – Pay To The Order Of

Here is where you get to write the name of the individual or company you are preparing for the payment.  If you’re paying, for example, a guy named X, then you would write “X————” over this line. If you’re donating to UNESCO, then write “UNESCO———-“.

Are you pondering over the question as to what those dashes are for and what purpose do they? Then follow the name with a long line that strikes out any remaining space so that nothing can be put in by anyone else when you get it done.

Line 3 – $ Box

At the edge of the “Pay to the order of” line, you’ll uncover a dollar sign followed by an empty box or statement. And this is where you scribble the amount of the check numerically.

Employ a standard format: Amount of bucks, followed by a decimal, by the cents amount. Like for example: “10.00—” for ten bucks and no cents, “50.00—” for fifty bucks, and so on. Remember this because the dollar sign is issued on the check already; you don’t need to write it again.

Line 4 – The Dollars Line

This line is below the “Pay to the order of” line. Rather than having a label on front, there is one at the edge of the side that says “Dollars”. So this is where you inscribe the payment amount again, but this time you use words instead of numbers.

This article’s caption is mainly about write a check no cents, or lack of cents, on this line. We’ve seen it done many ways over our lifetimes, and you may have to. Here are some examples below:

  • 10.00: Ten bucks even
  • 32.00: Thirty-two dollars and no/100
  • 50.00: Fifty bucks and zero cents
  • 100.00: One hundred bucks and 00/100
  • 5000.00: Five thousand bucks and xx/100

The reality is that these strategies will get accepted by the bank in the United States or worldwide. However, employing the fraction is standard practice, as for those amounts without cents, “no/100” seem to be deemed the most transparent and safest method. While “00/100” gets the idea across, those zeros can be transformed into nines by criminals looking to brush an extra dollar from the unsuspecting.

Alternative Options for Dollar Line

The chequebook authority probably won’t be coming after you with handcuffs if you wish to get a bit more creative. You can enter “NO/100” rather than “00/100”, and if you want to sound a bit emphatic, you can also write it as – “XX/100.” You can also write out “zero cents” after the line instead of using a fraction.

Line 5 – Memo

Sometimes tagged as “For”, one can use this line in a combination of ways. A firm may ask that you put your order number here. As for your records, you might want to write the purpose of the check, with something like “Birthday” or “March Rent”.

Banks nevertheless will cash a check regardless of what gets written there. You can just as safely leave it blank.

Line 6 – Signature

Here is where you get to sign your name. Without your signature, it doesn’t make a difference what else is written on the check, as it won’t get cashed. Be sure to review the last lines before you sign the statement cautiously.

Furthermore, never sign a blank check. If an individual were to get their hands on it, they could round off the rest of it for any amount they preferred. You don’t want to give strangers open access to all the cash in your bank account.

A Word of Caution

The point of all this is to guarantee that no one can easily alter the amount on your checks, such as from 50 to 500 bucks or even 50,000 bucks. In reality, some institutions advise entering zero cents as “NO/100” instead of “00/100” because zeros can get easily revamped to other numbers, such as eights, sixes or nines.

Drawing a line between the number of bucks and the cents amount on the dollars line deters anyone from adding more words to reflect a higher dollar amount.

And you’ll undoubtedly want to put a name on that “Pay to the order of” line as well. If you write the check to “cash,” anybody who has ownership of the bill can cash it. The same goes for signing a statement, as we stated above, so before you’ve filled in the name of the individual or firm you’re paying, remember to mention the amount. Anyone who gets their hands on it can make it out any way they like if you don’t write in all the boxes and lines yourself. And, of course, you’ll need to keep that chequebook in a safe place, too.

Conclusion

Though paper checks have become nearly fossilized, they still carry considerable importance that one can put to good use. Even if you are a pro or a rookie in this area, filling out a check with almost zero cents is a complex idea to form. So we hope this article could deliver you a generalized view on how to write zero cents on a check and efficiently complete the process.

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