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Knowing how to write a check is a crucial step for anyone who wants to start using this payment method.
This is because, although the check is no longer one of the main methods, it still has its advantages.
But for it to be truly beneficial, it's important to know how to fill it out to avoid rejections and even scams.
Therefore, in today's material we have brought valuable information on the topic.
So, if you want to learn how to use checks safely, follow us in this reading!
What is a check? How is this payment method used?
Checks were once one of the most widely used payment methods in Brazil and around the world.
This is because, when cash was the most popular method, it was necessary to use safer ways to withdraw and deposit money at the bank.
So, instead of carrying bills that could be easily stolen, the customer carried his checkbook.
Among the advantages of this method, we can highlight:
Greater security:
The customer does not run the risk of losing bills and coins, and if the checkbook is stolen, they can request that the bank block it.
Furthermore, if there is a change of heart or change of plans, the holder can stop the check before it is cashed.
Possibility of paying in installments:
The customer can determine the deadline for cashing the check, which helps in financial organization.
Today, with credit and debit cards, transfers, and even Pix, checks have become less widely used.
This is because the methods mentioned are more practical, in addition to being more accessible.
However, in some cases it may still be necessary to use the check, so it is important to know how to fill it out.
First of all, what you need to know is that the check works as follows: the holder fills it out, hands it over to the recipient, who deposits it, and the amount goes to the destination account.
How to fill out a check?
By now you already know what a check is and the advantages of using this method.
As we can see, the benefits of checks are currently not as relevant when compared to more modern methods.
This is because safety and practicality are common characteristics to cards and bank transfers.
However, it is still common to see customers who prefer to use checks for payments.
This is especially true for business owners, who have easy access to checks.
So, we'll now look at how to fill out a check step by step, so you don't have any doubts.
The first thing you must fill in is the field numerical value, identified by "R$".
Fill in the value correctly, using the semicolons in the correct places, in order to avoid confusion of values.
The next step will be to fill out the amount in words, which must correspond to the same number as the previous field.
Therefore, if the check is for R$ 2,345.00 you should write "two thousand three hundred and forty-five reais".
The next field to be filled in is the recipient, that is, the name of the person who will receive the check.
Be careful to fill in the full name correctly, avoiding spelling mistakes and incorrect abbreviations.
It is worth remembering that this field only needs to be filled in for amounts above R$ 100.00, below that it is not mandatory.
Then fill in the fields date and year of the check, as follows: October 15, 2023.
Remembering that you must fill in according to the day the check is being written.
Finally, finish signing the check in the reserved field.
Remember to use the same signature as on your documents and your bank registration.
What information should you not miss when filling out a check?
In the previous topic, we taught you how to fill out a check in detail.
So, if you were previously lost, not knowing what to do with all the fields to fill in, now everything is simpler.
However, it is important to talk about an important issue, which corresponds to filling errors.
After all, what can't go wrong when filling out a check?
The truth is that the ideal is not to make any mistakes when filling out any information.
This is because errors can indicate fraud or even make identification difficult when cashing the check.
Also, when it comes to errors in the value field, for example, incorrect discounts may occur.
Therefore, it is best that you fill out everything accurately, so as not to make any mistakes.
This is especially true for the following fields:
- Amount (errors may result in incorrect deposits or even make the transaction impossible);
- Signature (the signature is the only way to guarantee that the check has not been stolen);
- Date and year (the date is used to ensure the authenticity of the transaction).
It is worth mentioning that the person who will cash the check may refuse to accept it if they find any wrong information.
So, pay close attention and avoid problems.
Are scratched checks accepted?
As explained previously, check completion errors are not accepted.
This is because any mistake can make it difficult to guarantee the authenticity of the check, or even cause problems with the deposit.
This is because a simple 0 (zero) in addition to the amount of R$ 100.00 results in a deposit of R$ 1,000.00.
Or, if you make a 1 very close to 0 in the amount of 1,078.00, the person who is going to discount it may end up discounting only R$ 78.00.
But what happens when mistakes are made when filling out a check? Is it okay to erase it?
It's very common for people to think it's okay to cross out the mistake and write it next to it.
However, it is important to note that this information is incorrect, as erasures on checks are not permitted.
The reason for this is precisely to avoid fraud, after all, have you ever thought about what would happen if someone erased it and exchanged it for a higher value?
Or do you find a check lost on the ground, scratch out the recipient's name, and manage to deposit it?
Therefore, it is important to know that if you make a mistake, you should never erase the check.
In this case, the best thing to do is to fill out another check and inform the bank about the error in filling out the previous sheet.
Therefore, attention is an important element for anyone who wants to write a check safely!
