How to fill out a Chase bank check: It is definitely important for you to know how to fill out a Chase check, especially if you have a checking account there. This skill is definitely worth having even though there are so many other payment methods available today, such as Chase QuickPay and Chase QuickDeposit.
Now is a great time to learn about writing checks if you are a Chase customer. You should have received some checks when opening your checking account, so half of the work has already been done. In case you run out of checks, we will also demonstrate how to request them from Chase.
Our goal in this article is to show you how to write a Chase check to make different payment payments . Please make sure you read the entire article to learn more. Let’s begin with the basics.
What you need to know before writing a check to Chase or any other bank
Make sure the check is absolutely necessary before you write one. A check is a cumbersome process, and it is not always the fastest way of transferring funds or making payments. You could write a check that is not cashed before you spend the money in your bank account, which would cause a lot of trouble down the road.
If, for example, a check is deposited or cashed and the account that the funds flow from has zero value, the check will automatically “bounce”, which is never a good thing, as the banks will charge a penalty, which, in certain circumstances, may result in an overdrawn account.
Keep Reading: Bank of America Cash Rewards Card Program
When is it a good idea to write checks?
Whenever you shop in certain stores
Some small businesses do not accept credit cards due to various factors, such as processing fees. According to one study, only 27 percent of small businesses prefer digital payments (such as credit cards and Apple Pay) over non-digital ones (such as cash, checks, and money orders). You might want to have a check book handy if you hire someone to cut your lawn or if you shop at a local store or flea market.
Wages paid to employees
Business owners and entrepreneurs typically use checks to pay their employees because it is easier for them to keep track of their human resource records and they are always able to verify when and how much money was spent. Should there be a disagreement later on, this facilitates communication.
In the case of gifts
Whether it’s a birthday, wedding, or other important family event, you will likely want to save money on a card if you are short of time. Checks may be a better option than cash when giving money as a gift. Cash and checks can both easily get lost in the excitement of opening gifts, but one is designed specifically for the recipient, and the other is not.
How to write a Chase Bank check
Here’s a step-by-step guide to filling out a Chase check. It consists of 6 steps, and each step requires a different type of information to be used.
- Date: You should use the current date, that is, the day you are writing the check. The date is usually written in the upper right corner of the check. Spelling mistakes can cause serious problems, so make sure it’s written correctly. Meanwhile, writing the current date is also helpful when it comes to tracking your finances.
- Payment is to be made to: Next, the name of the person or company to whom the payment is to be made must be written here. In the space provided, you will be asked to enter the name of the person. Check the name of the recipient twice, and if you have any questions, ask the recipient to provide proof that the name is spelled right, as a misspelled name may prevent the check from being cashed.
- Calculate the amount: Payment amounts are normally indicated twice. One time numerically, the other time verbally. To avoid making mistakes that might make the check uncashable, make sure you place the pennies, full periods, and commas correctly in this step. Include a comma and two zeros after the amount you are paying (for example, 125.00) to make sure you have entered the amount fully so that someone else cannot increase the amount. To avoid fraud, you should also write as far left as possible, for example, if you are paying $ 7.50, you should make all seven right on the left side of the box.
- To or Memo: On the line below, write out the exact amount. Don’t forget to include the pennies. The validity of a check is determined by this field and the numerical amount. The charge will not be valid if any of the fields are incorrect.
- You can either stop or make a note: The purpose of writing the check is explained here. When writing checks, this step is not required, but it helps you keep track of your payments more accurately.
- Signature: Checks must have a signature in order to be able to be cashed, since they cannot be cashed without one. In order to make a valid check, you must use the signature entered in the bank’s database.
The Chase check will be filled out once you have completed these steps, congratulations!
Keep reading: Does Chase charge a fee to cash a check?
Once the check is filled out
When you have completed filling out your Chase check and sent it to the payee, you should record it. It is a good idea to always keep a copy of the same check in case you need it later for whatever reason. Conversely, a check register is an excellent book to have, since it allows you to keep track of every check you write.
Would you mind opening a new Chase account for me?
We recommend that you look at Chase’s Total Checking Account if you’re looking for a simple checking account. The Total Checking account offers easy access to all your daily banking needs. Unlike the Chase SapphireSM checking account, this account will not earn interest.
As a business owner, you can take advantage of Chase’s business accounts . If you are in this situation, then you should check out the Chase Total Business checking account. A fee-free account that allows you to make 100 transactions per month as well as unlimited electronic deposits.
Chase checks: How to request them
- Go to Chase.com and click on ‘Customer Center’.
- Click on the ‘Request checks or deposit slips’ link under ‘Savings / Checking Account Services’.
- You can request checks from any bank account.
- You will then be able to select new checks and even customize them once the window appears.
Checks for business
- Chase checks can be ordered on the Deluxe website or by calling 1-888-560-3939. Please remember your account numbers before ordering.
- This process is similar to ordering personal checks; besides, you can customize it to your liking.
Checks can also be ordered at Chase branches.
How to fill out a Chase bank check: Additional Tips
We’re going to cover security tips in this section so that you can protect yourself from potential fraud and theft, which are (sadly) quite common when it comes to writing checks.
Ensure it’s permanent
If you are writing a check, we recommend using a pen instead of a pencil. Anyone with an eraser and a pencil can easily change the amount of the check and even the payee’s name. Checks cannot be written with pencils in most banks, however.
Never write a blank check
Checks that are blank are checks in which all the information except the payee has been written down. If the check is lost, anyone who finds it and types in their name will be able to cash it. This can lead to serious problems, like fraud. Once the check is found, it becomes the owner’s property, and they can use it however they like.
Stops the amount from being changed
Make sure you write the dollar amount on Chase checks in a way where it cannot be altered. Make sure there are no blank spaces on the check.
Make a copy
Before submitting the check, you should make a copy. The check is recorded on paper and can also be used as evidence in case of a dispute.
Verify your signature
Checks are often difficult to sign because people tend not to have legible signatures. Occasionally, checks are even signed with humorous images that differ from what is registered with the bank. Therefore, we strongly suggest that you use a clear and legible signature that you can use at any time. Do not forget it!
It shouldn’t become a habit
Don’t write checks unless you run a business. It’s actually best not to publicly announce them. It isn’t as risky as you may think to make purchases with checks, but there are other, safer ways to do it, especially for daily transactions. Additionally, if you make an electronic payment (for example), there will be no waste of paper, and the evidence will be accessible forever.
You will know how to fill out a Chase check correctly by following the steps and tips we’ve provided. As we mentioned, the bank will charge a fee if a check bounces, and this is never good.
Regardless of whether or not one uses checks, everyone should learn the basics of composing and filling out checks.
Nevertheless, as we have seen, small, insignificant errors can invalidate a check, so pay close attention to details like spelling the name correctly, ensuring that the amount written is the same as that written in figures, and making sure you get your signature right at the bottom.