The basic steps to write a check

Writing a check on a Wells Fargo account follows the same process as any other bank. You fill in six pieces of information in a specific order: the date, the payee name, the amount in numbers, the amount in words, a memo line (optional), and your signature. The check itself has numbered boxes and lines that show you exactly where each piece goes.

Wells Fargo provides checks in a checkbook — a bound pad of 25 or 50 checks, usually with a carbon copy underneath each check so you have a record. When you order checks through Wells Fargo, they arrive with your account number, routing number, and bank information already printed on them. You only add the variable information by hand or pen.

The order matters because the bank's processing machines read checks in a specific sequence. If information is missing or in the wrong place, the check may be rejected or delayed.

Key Takeaways

  • Write the date in the top right corner, the payee name on the "Pay to the Order of" line, and the dollar amount in both numbers (in the box) and words (on the line below).
  • Sign the check in the bottom right corner with the same signature you provided to Wells Fargo when you opened your account.
  • The memo line is optional and is for your own record-keeping — it does not affect whether the check clears.
  • Wells Fargo checks come pre-printed with your account number and routing number at the bottom, so you do not need to write those in.
  • Keep a record of each check you write by noting the check number, payee, amount, and date in your check register or banking app.

Where to write the date

The date goes in the top right corner of the check, in a box or line labeled "Date." Write it in the format your region uses — in the United States, this is typically MM/DD/YYYY (for example, 01/15/2025). Some people write it out in words (January 15, 2025), and both formats are accepted.

Use the date you are writing the check, not a future date. Postdating a check (writing a future date) is legal, but the recipient can deposit or cash it before that date, and your bank will process it if funds are available. If you need a payment to go through on a specific future date, contact the payee directly to arrange that timing rather than postdating the check.

Filling in the payee and amount

Write the name of the person or business receiving the money on the line that says "Pay to the Order of." Use the exact legal name if you know it — for a business, this might be the full company name rather than a shortened version. If you are unsure of the exact name, ask the payee before you write the check.

Write the dollar amount in two places. In the small box on the right side of the check (usually after a dollar sign), write the amount in numbers: $150.00. On the longer line below "Pay to the Order of," write out the same amount in words: "One Hundred Fifty and 00/100 Dollars." Write the whole dollar amount in words, then write the cents as a fraction over 100. If there are no cents, write "and 00/100" or just leave it blank — both are correct.

The written-out amount is what the bank uses if the numbers and words do not match. Getting both to agree prevents delays and confusion.

The memo line and your signature

The memo line is a small line on the lower left of the check, often labeled "Memo" or "For." This line is entirely optional and is for your own reference — write what the check is for (for example, "January rent" or "Invoice #2847"). The memo does not affect whether the check clears, and the recipient does not have to see it.

Sign the check in the bottom right corner with your full signature — the same signature you provided to Wells Fargo when you opened your account. Do not print your name; use your actual signature. The bank compares your signature on the check to the one on file to verify the check is authorized. If your signature looks very different from the one on file, the bank may reject the check or contact you to confirm.

Common mistakes to avoid

The most frequent error is writing different amounts in numbers and words — for example, "$100" in the box but "Fifty Dollars" on the line. This mismatch can cause the check to be rejected or delayed while the bank contacts you for clarification. Always double-check that both amounts match before you hand over the check.

Another common mistake is signing the check with a different signature than the one Wells Fargo has on file. If you have changed your signature significantly since opening your account, contact Wells Fargo to update it on file. Do not use initials, a printed name, or a mark that does not match your registered signature.

Leaving the payee line blank or writing it incorrectly can also cause problems. The person or business named on the "Pay to the Order of" line is the only one who can cash or deposit the check (unless they sign it over to someone else, which is called endorsing). If you write the wrong name, ask the payee for a new check or contact Wells Fargo about stopping payment on the incorrect check.

Ordering checks and tracking your check register

Wells Fargo checks are ordered through your online banking account, by phone at 1-800-869-3557, or in person at a Wells Fargo branch. Checks typically arrive within 7 to 10 business days. You can also order checks from third-party vendors — Wells Fargo will accept checks printed by other companies as long as your account number and routing number are correct.

Keep a record of every check you write. In the checkbook itself, there is usually a register (a small table) where you write the check number, date, payee, and amount. You can also track checks in the Wells Fargo mobile app or online banking portal — your account shows which checks have cleared and which are still pending. Tracking prevents you from accidentally overdrawing your account and helps you spot unauthorized checks.

When to use a check instead of other payment methods

Checks are still the standard for some payments — rent, security deposits, and certain bills — even though digital payments are now common. Some payees request checks specifically because they need a paper record or because their systems do not accept digital payments. Always ask the payee what payment methods they accept before you write a check.

If you are paying a business or government agency, confirm the mailing address on the check stub or invoice. Sending a check to the wrong address delays payment and can create confusion about whether you paid. For recurring payments like rent or utilities, keep a list of the correct mailing address so you do not have to look it up each time.

Frequently Asked Questions

What if I make a mistake while writing the check?

Do not cross out or use correction fluid. Tear up the check and write a new one. Banks and payees may refuse a check with visible corrections because it raises questions about whether the check is legitimate. If you have already given the check to someone, contact them and ask for it back so you can issue a replacement.

Can I write a check for more money than I have in my account?

Technically yes, but Wells Fargo will likely decline it and charge you an overdraft fee. If the check bounces (is rejected due to insufficient funds), the payee is also charged a fee by their bank. Contact Wells Fargo about overdraft protection options if you are concerned about this happening.

How long does it take for a check to clear?

Most checks clear within 1 to 3 business days after the payee deposits or cashes them. Some checks take longer depending on the payee's bank and processing time. You can see pending and cleared checks in your Wells Fargo online account or app.

What should I do if I lose a check or want to stop payment?

Contact Wells Fargo when ready to place a stop payment order. You can do this through online banking, the mobile app, or by calling 1-800-869-3557. There is usually a fee (typically $30 to $35) for a stop payment order. You will need the check number, payee name, and approximate amount.

Do I need to write anything on the back of the check?

Only if you are depositing a check that someone else wrote to you. On the back, sign your name and write "For deposit only" along with your Wells Fargo account number. This is called endorsing the check and protects you if the check is lost or stolen.