How To Write a Check Without Cents: In 6 Easy Steps

The check letter is a dying art, but it is not yet in the grave. Not everyone accepts debit or credit cards, and while there are dozens of online payment platforms out there, they are useless unless the person you want to pay is using them. Sometimes only a check will work, and when you find yourself in this situation, it is helpful to know how to fill it out correctly.

When you check, you fill out a small form, each line of which is marked to know precisely what and where to put it. However, when it comes to writing out the amount, there is one caveat, and in this, I want to help you. How do I write a check for an amount without a cent?

Write a Check Without Cents

Check Form

To answer your question, I will briefly explain how to fill in each check line correctly. If you’re a check-writing professional and want to explain how to write a check without a cent, you can skip to line 4. For those of you less confident in this area, don’t worry; everything you need to know is by the end of the article.

Line 1: Date

This line will appear in the upper right corner of the receipt. Write the date in the format “month, day, year.” You can use the numeric style (12/31/2020) or specify the month (Dec 31, 2020); either method will work.

Line 2: Pay To The Order Of

Here you write the name of the person or company you are making the payment to. If you are paying John Smith, you must write “John Smith ————” on this line. If you donate to the Red Cross, write “Red Cross ———-.”

Are you wondering what these dashes are for? After the name, draw a long line across the rest of the space so that no one can add anything when you’re done.

Line 3: $ Box

At the end of the Pay to Order line, you will find a dollar sign followed by a blank field or line. This is where you numerically write out the amount of the check.

Use the standard format: a dollar amount followed by a decimal followed by a cent amount. For example: “10.00—” for ten dollars without cents, “50.00—” even for fifty dollars, and so on. Please remark that you do not need to write it again since the dollar sign is already printed on the check.

Line 4: The Dollars Line

This line is directly below the Pay Before Order line. Instead of a label, the obverse has a sticker at the end that says “Dollars.” Here you write the payment amount again, this time in words.

The title of this article is mainly about how to write a check with no cents or no cents on that line. I’ve seen this done in many ways in my life, and you may have to. Here are some examples:

  • 10.00: Ten dollars even
  • 32.00: Thirty-two dollars and no/100
  • 50.00: Fifty dollars and zero cents
  • 100.00: One hundred dollars and 00/100
  • 5000.00: Five thousand dollars and xx/100

The truth is, it is likely that any of these methods will be accepted by the bank in the United States. However, using the fraction is standard practice, and for amounts without cents, “no/100” seems to be considered the cleanest and safest method. While “00/100” gets the point across, those zeros can be converted into nines by criminals looking to skim an extra dollar from the unsuspecting.


If you have a composite number such as 32 (as opposed to 30), you must always put a hyphen connecting the two parts of a word when writing it (for example, thirty-two).

More Examples:

1. How Can Write a Check for 100 Dollars?

Answer: One hundred dollars and 00/100

2. How can Write a Check for 1000 Dollars?

Answer: One thousand dollars and 00/100

3. How to Write a Check for 10000 Dollars?

Answer: Ten thousand dollars and 00/100

4. How to Write a Check for 100000 Dollars?

Answer: One hundred thousand dollars and 00/100

Line 5: Memo

This string is sometimes referred to as “For” and can be used in many ways. The company may ask you for your order number here. In your entries, you can specify the purpose of the check, such as Birthday or March Rent.

Banks will cash the check no matter what is written here. You can just as quickly leave this field blank.

Line 6: Signature

Here you put your signature. Without your signature, it doesn’t matter what else is written on the check – it will not be cashed. Be sure to review the last lines before signing carefully.

Likewise, never sign a blank check. If someone got their hands on it, he could fill in the remainder with whatever amount he wanted. You don’t want to give strangers open access to all the money in your bank account.

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