Huntington Bank Guide – How To Write A Check

Although they are less popular than they were before, checks are still commonly used even in today’s digital world, so it’s important to know how to write one. You might have some questions about how to fill out a check and what information to put where, so keep reading to learn about checks from Huntington Bank!

Checks are paper forms that people use to transfer money from one place to another. It is a written order that instructs a bank to pay a specific amount of money from a specific checking account to a specific person or entity, for example, a store.

How to Write a Check

If you’re not sure how to fill out a check, or it has been a long time since you’ve filled one out, check out these steps below. Additionally, here is a sample check that has already been filled out for your reference.

1. Date the Check: First, you must write the date on the line at the top right-hand corner. This is important so that the person you are writing the check for knows when you wrote it.
2. Who is this check for: The next line on the check “Pay to the order of, is where you write the name of the person or company you want to pay. If you don’t know the person or organization’s exact name, you can simply write “cash”. However, this can be risky if the check ever gets misplaced or stolen.
3. Write the payment amount numerically: First, you must write the dollar amount numerically in the small box on the top right. It is important that you write this clearly so the ATM and/or bank can accurately subtract this amount from your account.
4. Write the payment amount in words: On the line below “Pay to the order of,” write out the dollar amount in words to match the numerical dollar amount you wrote in the box. Check out the example above if you are still unsure on how to write it.
5. Write a memo: The memo line at the bottom is optional, however, it is helpful for knowing why you wrote the check.
6. Sign the check: On the bottom right line, you must sign your name using the signature you used when you opened the checking account. This will show the bank that you agree that you are paying the stated amount and to the correct payee.

How to Balance a Checkbook

It is important to keep track of all the times you spend money or make a deposit, so make sure you do this in your checkbook’s check register, which can be found in the checks you received from Huntington.

Your check register is meant to be used for keeping track of your deposits and expenses. Additionally, all transactions should be recorded, including checks, ATM withdrawals, debit card payments, and deposits.

Record Your Transactions

1. If you make a payment by check, you will record the check number, found in the top right corner of the check. This also helps you keep track of your checks, helping you ensure none of your checks are missing, and reminding you when you need to reorder checks.
2. Be sure to make note of the date for your records. In the “Transaction” or “Description” column, describe where the payment was made or for what. Then write down the exact amount in either the withdrawal or deposit column depending on if you spent money or received it.
3. Subtract the amount of any checks, withdrawals, payments and bank fees or add in deposits to the total amount in your account from the previous transaction.

Reconcile Your Bank Statement Each Month

When you receive your monthly bank statement, take the time to balance your checking account. First, download Huntington’s Balancing Worksheet. Then follow the directions to enter the information from your checkbook register and bank account statement as well as any unlisted deposits and outstanding checking/withdrawals. Once you are finished with the worksheet, if your adjusted checkbook and account balance match, your checking account is balanced!

If the balances don’t match, make sure you double-check your math, see if there are outstanding checks that might not show on your statement yet, and ensure you didn’t miss a fee or transaction. If you believe there is an error on your bank statement, contact Huntington as soon as possible.

Author’s Verdict

Now that you’ve learned the step-by-step instructions on how to write a check, it should be simple! Additionally, make sure you stay up to date with balancing your checkbook so you can avoid overdrafts or return fees. Also, keeping a second record of your transactions could help you spot potential instances of fraud.

Furthermore, check out our list of bank promotions to get some extra cash in your pockets today. If you are interested in Huntington Bank, be sure to check out their recent promotions here!

TD Bank Promotions: $200, $300, $500 Checking, Savings, Business Bonuses 2024

Huntington Bank Bonuses & Promotions: $100, $400, $1,000 Checking Offers 2024

U.S. Bank Promotions 2024: $400, $450, $900 Personal Checking & Business Bonuses

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