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With the advent of Paypal, Venmo, and Bitcoin, checks seem like last century, but that doesn’t mean you no longer need to know how to read a check for banking information.
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You may be surprised to learn that 14.5 billion check payments were written in 2018 — according to the Federal Reserve Board, the most recent year for which statistics are available. At the bottom of your check, you’ll see three groups of numbers. The first group contains your routing number, the second group contains your account number, and the third group contains your checking number.
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Some online transactions require understanding how to read a check and where to look for important information. For example, you may need information from your check to set up direct deposit or to set up an electronic transfer directly to your account. To do either of these, you need to know how to check your account and find routing numbers.
Reading a check is easy, but use the illustrated guide below to learn how to read a check and distinguish between routing and account numbers, or how to read a government check and set up direct deposit.
In the upper left corner of the check, you will find the personal information of the person who owns the account. This usually includes their name and address.
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On the payment line, you will find a text that reads “Pay with order”. This is the person or business to whom the money will be paid. If the check is made out to you, you are the payee. You must endorse the check by signing the back when you are ready to cash it. Don’t endorse it unless you are ready to cash or deposit it.
Inside the dollar box, you’ll find the value of the check written in numbers. Enter your amount as: $20.65.
Start writing as close to the left side of the box as possible and snug the dollar sign against the first number. You don’t want someone cashing a check for $2220.65.
Write the dollar amount in words on this line, which is below the payoff line. However, cents will still be in number format. For example, the amount line would say “twenty dollars and 65/100” for a check that equals $20.65. It should match the amount in the dollar box.
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If there is a space left on this line after you write the total amount, you can skip the remaining space so that no one can adjust the amount without your knowledge.
A memo line is optional, but it’s good practice to keep track of check payments. A memo line is used to indicate the reason for the transaction. For example, when writing a check to a landlord, a renter can write “Rent March 2021” on the memo line.
Sometimes, the payee may defer payment to indicate when the check should be cashed. For example, you can check for March 5th, but write March 15th in the date line. This is often done if account funds are not available until a specified time in the future.
Although the payee may take this as an instruction to wait before cashing the cheque, it is valid from the time the check is signed by the issuer. The payee need not wait till the due date to cash the cheque. If the payee tries to cash the check before the date on this line and the check bounces, the person who wrote the check and the person who cashed it may incur a fee from their bank.
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If you have any questions or concerns about a check, you can contact the bank listed on the check.
An ABA routing number is a nine-digit number assigned to your bank by the American Bankers Association. This indicates the bank through which the funds will be withdrawn.
You will also use your ABA routing number to set up direct deposits and recurring payments. Some banks will have more than one routing number depending on their size, so always make sure you’re using the correct routing number before setting up these types of payments.
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This is the number associated with the checking account from which the funds will be withdrawn. It’s another set of numbers printed on the bottom of your check. The routing number is first, on the left.
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A check number is used to identify an individual check. That series of numbers is located on the far right at the bottom of your check.
The fraction number, usually placed at the top of your check, contains numbers that correspond to your bank, such as your routing number. Because these numbers are readily available elsewhere on the check, fractional numbers are no longer widely used.
You may notice that the routing and account number symbols appear at the bottom of the check. It is a special font called Magnetic Ink Character Recognition or MICR. This special ink can be read by check sorting machines.
If you learn how to read personal account check details, you’ll also learn how to read a cashier’s check and how to read a business account check.
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Why checks are still useful Not everyone knows how to use cash apps, and some people don’t have a cell phone or computer. Some people like the ease and time-tested reliability of writing a check. When compared to cash, checks are safer. If your wallet is stolen, your money is probably as good as gone. If you’re sending money as a birthday gift, you run the risk of losing that cash in the mail.
One disadvantage of checks is that anyone who receives one of your checks knows your name, address, bank information and account number.
Do you know your routing number and don’t have a check? You can also find your routing number by:
You can also find your bank account number on your bank statement. If all else fails, you can call or visit the bank to find the routing and account numbers.
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No matter how you choose to do your banking, check reading is a good skill to have if you find yourself in a situation where checks are the preferred or only accepted form of payment.
Our in-house research team and on-site financial experts work together to produce accurate, unbiased and up-to-date content. We fact-check all figures, quotes and facts using primary and reliable sources to ensure that the information we provide is correct. You can learn more about procedures and standards in our editorial policy.
Erica Giovanetti is a Charlotte, NC-based writer and editor who enjoys spending time in nature, reading modern fiction and non-fiction, discovering and recreating family recipes, playing with her kittens, and spending time with friends and family.
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With more than 31 million active mobile users and 39 million active accounts, it’s no surprise that Bank of America offers customers easy-to-use online and mobile banking. To securely access your Bank of America account, follow these simple steps to set up your bank account and log in online.
It is easy and convenient for online users to access their accounts using their Bank of America Online Banking login from anywhere on the website.
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If you decide to access your account online while browsing Bank of America’s website, look for “Sign in” at the top right of any page. For example, if you’re researching a home mortgage loan and want to log into your account to request mortgage information, follow these simple steps:
Online banking services give customers 24/7 access to their accounts. With Bank of America mobile or online banking services, customers can:
For a complete list of mobile banking and online banking features, visit the Bank of America Online Banking homepage.
The Bank of America mobile banking app is free and available to users of iPad, iPhone, Android and Windows 10 devices.
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Bank of America makes it easy for customers to access their checking accounts, savings accounts and other financial needs on the mobile app.
Credit card, checking and savings statements are available in mobile and online banking around the same date
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