How to Write a Check With Cents?

Learning how to write a check with cents is a very good idea. It will allow you to send money pretty quickly. However, there are many other methods you can use to transfer money other than checks. Still, if you like the old school approach of using checks, you can easily do that.

It’s a very good idea to learn how to write a check with cents in words and see what you want to change or adapt according to that.

Writing a Check

Do You Really Need to Learn How to Write a Check with Cents?

Yes, this is important because not every time you will have a fixed amount on the check. Depending on the transaction you might end up with lots of cents. So you really have to know how to handle this correctly. Thankfully, we are here to help and we will guide you through a 5-step process to write a check with cents without worries.

You need to go through the following steps:

1. You Must Enter The Date on The Top Right

You can go with any format you want, but the idea is to have the month, day, and year. If you want to shift them you can easily do that and just go from there.

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2. Insert The Name of The Payee

You can do that on the “Pay To The Order Of” line. If you want to write the check for a person, you need to add their first and last name. In case this is for a business, then you must write the business name most likely.

3. Add The Amount In Numbers

When you do that, you need to put the amount in the “$” box. If you have 100 dollars and 50 cents, then you need to write 100.50 and that’s it. Keep in mind that the dollar sign is already there so you don’t have to write it again. Adding a comma might be needed if you have thousands.


It’s always a good idea to fill the box or write closer to the left-hand side to stop someone from adding an extra number, for example, changing “$2,000” to “$22,000”.

4. Write The Check Amount In Words

This is where you learn how to write a check with cents in words. The idea here is that you want to write the amount normally, as you would. But when you reach cents, you will need to write that number out of 100. For example, if you have 100 dollars and 50 cents, then it will be “One Hundred Dollars and 50/100”.

how to write a check with cents

As you can see the process is very simple. In case there are no cents, you still need to add 00/100 at the end too.


In case you have a compound number like 62 (as opposed to 60), you should always place a hyphen between the two parts of the word when writing it out (sixty-two, for example).

More Examples:

  • 1,235.60 – One thousand two hundred thirty-five dollars and 60/100
  • 47.60 – Forty-seven dollars and 60/100
  • 11.35 – Eleven dollars and 35/100
  • 0.82 – Zero dollars and 82/100
  • 0.05 – Zero dollars and 05/100
5. Sign The Check

Your check will not be valid until you sign it. That means you will have to sign it as quickly as possible if you want the other person to cash in the money and use them.

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Bottom Line

It’s not that complicated to learn how to write numbers in words on a check. It’s important to try it yourself a few times before you get the hang of it. Thankfully it’s not a very complicated process, you just have to master it before you start writing checks to others!

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