Writing a check at Chase is the same process whether you bank with Chase or another bank — the steps don't change based on your institution.

A check is a written instruction to your bank to move money from your account to whoever you give the check to. You fill in the date, the recipient's name, the dollar amount in two places, and your signature. The bank then processes it when the recipient deposits or cashes it. Chase doesn't require any special format or extra steps; you follow the standard check-writing process that works at any bank.

If you're writing checks for the first time, the layout can look confusing, but each blank has a specific purpose. Once you write a few, the pattern becomes automatic. If you've lost your checkbook or need a replacement, Chase can order new checks for you through your online banking portal or by calling customer service.

Key Takeaways

  • Fill in the date, payee name, amount in numbers and words, and your signature in the correct blanks before giving the check to anyone.
  • Write the amount in words on the line below the payee name, and write it in numbers in the box on the right side of the check.
  • The routing number, account number, and check number are already printed on your checks and identify your account to the bank.
  • You can order replacement checks through Chase's website, mobile app, or by calling the number on the back of your debit card.

The six blanks you need to fill in

Every check has the same layout. The date line is in the upper right corner — write the date you're writing the check, not the date you want it cashed. The payee line starts with "Pay to the order of" and is where you write the name of the person or business receiving the money. Be as specific as the recipient needs: a person's full name, a business name, or both.

The amount box is on the right side of the check, usually in a box with a dollar sign. Write the amount in numerals here: $150.00, not $150. Below that is the amount in words line, where you write out the same amount: "One hundred fifty dollars and 00/100." This line protects against fraud — if the numbers and words don't match, the bank may reject the check or ask you to rewrite it.

The memo line is optional and usually appears in the lower left. Write what the check is for: "Rent," "Invoice #2024-156," or "Birthday gift." This is for your records and the recipient's reference; it doesn't affect how the check is processed. The signature line is in the lower right corner. Sign your name the same way you signed it when you opened your Chase account — the bank compares signatures to prevent fraud.

Numbers already printed on your check

Three sets of numbers appear on every Chase check, and you don't write these yourself. The routing number (usually nine digits on the left side at the bottom) tells the banking system which bank to pull the money from. Chase's routing number varies by state and branch, and it's already correct on your checks. The account number (usually ten to twelve digits in the middle at the bottom) identifies your specific account within Chase.

The check number appears in two places: the upper right corner and the lower left. This number is unique to each check and helps you track which checks you've written in your records. When you order new checks from Chase, the numbers continue in sequence from your last checkbook.

Common mistakes to avoid

The most frequent error is writing different amounts in the number box and the words line. If you write "$100" in the box but "Fifty dollars" in words, the bank will likely reject the check or contact you for clarification. Write both amounts carefully and double-check them before signing.

Don't post-date a check (writing a future date) unless you've confirmed the recipient will wait to deposit it. Many banks now process checks immediately regardless of the date written, so a post-dated check may clear before you expect it. If you need to delay payment, talk to the recipient about timing instead of relying on the date.

Avoid signing a blank check or leaving the payee line blank. If a check is lost or stolen before you fill it in completely, someone else can write in their own name and amount. Always fill in the payee name and amount before you sign.

Ordering new checks from Chase

If you run out of checks or lose your checkbook, you can order replacements through Chase's website. Log into your account, go to the "Checks" or "Ordering Checks" section (the exact name varies by account type), and follow the prompts. You'll choose the design, quantity, and delivery speed. Standard delivery usually takes one to two weeks; expedited options are available for an extra fee.

You can also call the customer service number on the back of your debit card or visit a Chase branch in person. A teller can help you order checks and may be able to provide temporary check stock while you wait for your regular order to arrive. Some Chase accounts include free check ordering; others charge a small fee per box.

What happens after you hand over the check

Once you give the check to the recipient, they can deposit it at their bank, cash it at a store, or mail it. The recipient's bank sends the check through the clearing system, which routes it back to Chase. Chase verifies that your account has enough money to cover it, deducts the amount, and marks the check as processed. This usually takes three to five business days, though it can be faster or slower depending on the banks involved.

You should record the check in your own records or banking app so you know how much money to expect to leave your account. Chase shows cleared checks in your transaction history, but there's usually a delay between when you write the check and when it clears. If you write checks regularly, keeping a running balance helps you avoid overdrafts.

Frequently Asked Questions

Can I write a check to myself?

Yes. Write your own name on the payee line, fill in the amount, and sign it. You can then deposit it into another account or cash it. This is sometimes used to move money between accounts or to get cash from your checking account.

What if I make a mistake while writing the check?

Do not cross out or use white-out. Tear up the check, write "VOID" across it, and keep it with your records. Start over with a fresh check. Banks may refuse to process checks with visible corrections.

How long does a check stay valid?

A check is generally valid for six months from the date written. After that, the recipient's bank may refuse to cash or deposit it. If a check hasn't been cashed after six months, you can stop payment through Chase and write a new one.

Do I need to use checks from Chase, or can I use checks from another bank?

You must use checks printed for your Chase account. Checks are tied to your routing and account numbers, which are specific to Chase and your branch. Using checks from another bank won't work because they route to the wrong institution.

What if the recipient says they never received the check?

Contact Chase and ask them to research the check. Provide the check number, amount, date, and recipient name. If the check has cleared, Chase can show you where it was deposited. If it hasn't cleared after six months, you can stop payment and issue a new check.