Checks 101: The beginner basics to get started

Second nature for some and new territory for others, the basics of check knowledge can vary. And, according to a recent survey by Chime, only 26% of Gen Z college graduates report any experience with writing a check, which means this is a great time to revisit the fundamentals of writing one. Whether you're new to cashing them in, teaching someone else or need a quick refresher yourself, read on for a few lessons in Checks 101.

What you’ll learn

• What is a check?
• Where do I get checks?
• Do I need to write a check?
• How do I write a check?
• How do I deposit checks?

What is a check?

A check is a verified payment method that draws funds from one bank account and transfers them to another. Checks are handwritten and signed by the owner to ensure security. Like cash, you must have the correct amount of funds to complete a transaction.

If your bank balance is below the specified amount, a check will bounce (like being denied a product or service if your cash amount is insufficient). And while some financial institutions charge a fee for a bounced check, Alliant Members aren’t charged an overdraft fee. In a primarily digital world, checks remain a tried-and-true, tangible payment method for many.

Where do I get checks?

Checks can typically be ordered through your bank or credit union. You can also purchase from an online store that may offer more customization options. In many cases, you can personalize your checks by style or preferred name. Alliant Credit Union Members receive their first box of standard checks for free1 and can order them through their checking account portal.

For larger purchases, such as a house, a certified or cashier’s check is usually required. A certified check is one that has been validated by your financial institution and guarantees that you have the requested funds available. A cashier’s check is similar but validates that your financial institution guarantees the funds. Alliant Members can request an Official Credit Union Check (synonymous with a cashier’s check) online or by phone.

Do I need to write a check?

At some point, probably! Many businesses you encounter may only accept checks, such as for rent dues, utility payments, contractor work, or charitable donations. You may also need to make a payment by mail, which is more secure when using a check because it’s explicitly addressed to the recipient, unlike cash, which could be stolen. Alliant Members enjoy financial simplicity with a convenient, all-in-one online banking experience that’s accessible anytime, anywhere.

On the consumer end, a major perk is that checks are fee-free, or no digital processing fees. Checks are happily accepted like cash for many goods and services. In fact, many businesses waive additional fees if payment is made by check.

On the business end, some may accept (and sometimes prefer!) offline payment methods like checks to avoid costly fees. Additionally, checks provide greater security because they serve as physical documentation for any payment issues or record-keeping. Many B2B (business-to-business) transactions are also paid for by check.

How do I write a check?

Your checks will come preprinted with your routing number, account number, and sequential check numbers. Verify that the routing and account numbers match your current account statement. Then, gather the required information for writing your check: the date, the recipient’s name or business name, and the check amount.

You’ll begin by identifying what fields need to be filled in: the underlined portions and the empty box next to the dollar symbol. Most fields indicate what’s needed like “Date” and “Pay to the Order of.” Make sure to always use a blue or black pen to fill out a check. Using gel pens is recommended, as the ink penetrates paper fibers, making it hard to wash off, helping to prevent check washing scams. You can verify your check’s completion with a quick search online for “example check”.

How do I deposit checks?

Checks can primarily be deposited into your personal account online through your financial service’s website or app. Additionally, checks can be deposited by mail, at your financial institution’s physical branch location, or at applicable ATMs. Alliant Members can find deposit information online.

You’ll want to ensure your check is endorsed on the back with your signature (where indicated), then either deposited by hand or online by taking a photo of the front and back of the check. Follow any additional guidance from your financial institution to ensure the deposit is successful.