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Keep your balance while writing checks with cents

Keep your balance while writing checks with cents that includes whole dollars, as

Write a Check with Dollars and Cents

Sample check. See below for an explanation. Justin Pritchard

Sometimes it’s the small things that get you: you might know how to write a check, but you get stuck writing out the amount. Writing a check with cents is especially tricky, but with a little bit of practice you’ll soon be able to do it without thinking.


For example, assume you need to write a check for eight dollars and fifteen cents (that’s $8.15). There are two steps:

  1. Write the amount using numbers (at the orange number 1 in the picture above)
  2. Write the amount using words (at the orange number 2 in the picture above)

You’ll write the amount using numbers in the dollar box (the box on the right side of your check next to the dollar bill sign – “$”). Start by writing the number of dollars (8), then a decimal point or period (“.”), and then the number of cents (15). Ultimately, you’ll have “8.15” in the dollar box. If you want more examples, scroll down.

Now, for writing out the check’s amount in words. there are two steps:

  1. Write out the dollar amount
  2. Write out the cents

The tricky part of this is putting the number of cents into fraction format (the number of cents over 100). In other words, write the number of cents, then write a slash (“/”), and then write the number 100.

Using our $8.15 example, write the following:

Write this all together on one line so that it reads “Eight dollars and 15/100”. For a detailed example of how to write a check, see a step-by-step tutorial using the same amount.

Now, let’s look at that example in more detail.

No “cents”: you might notice that the word “cents” doesn’t appear anywhere – you don’t need to use it when writing a check.

Keep your balance while writing checks with cents the number of cents

It is sufficient to simply put the number of cents into the format above. If you want, you can certainly write “fifteen cents,” but it’s easier and faster to use the fraction format. Plus, your check probably has the word “Dollars” at the end of the line. so it would look odd.

The word “and”: put the word “and” just before you write how many cents the check is for (or just after you write out the full dollar amount). You are writing a check for dollars and cents. If you like, you can use an ampersand (“”) or plus sign (“+”) instead. It is best not to use the word “and” elsewhere when you write out the amount. For example, you should remove “and” from the following: “One hundred and five dollars.”


It might help to think in terms of percentages: the word percent comes from a Latin term that roughly translates to “per 100.” That’s why cents are called “cents” – each one is one percent of a dollar. Another way of looking at it is to consider that each cent is one one-hundredth of a dollar. When you write a check, you note how many dollars the check is for (that includes whole dollars, as well as partial dollars – or cents).

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