How to Write a Check to Yourself | Bank Check Writing Procedure

In the age of electronic banking, personal checks have become less in use due to checking cards and credit cards. If you don’t have other ways to deposit funds or withdraw money, you can still use personal checks to fulfill your purpose. Write a check to yourself and cash it from any bank and cashing center. However, the process of writing a check is the same as writing a check to any other person. So, if you want to discover how to write a check to yourselfthis article will be beneficial to you.

How to Write a Check

How to Write a Check to Yourself

Date the check Correctly

On the check, top corner, where the dateline is located, write the current date.

Write the check out to cash

The document can be a book, an important document such as a resume or application, or a money order. To cash it, write “cash” instead of naming the payee.

Write the check amount in numbers

In cash amount lines, write the number of check-in numbers.

Write the check amount in words

On the line below, write down the check amount in dollars and blank cents in alphabet or words.

Fill out the form or Memo Field

The line at the lower left-hand corner, the Memo line, mentions the reason for the check, whether for other purposes or cash. It will make it easy to remember why the review was cashed or written.

Sign the check

The final step is the endorsement of the check by giving it your signature on the back of the check.

What is Check to Cash?

How to Write a Check to Yourself

The check on which you usually write the name of payee” has the word “Cash” on the check payable to cash.

  • A check receivable to funds is not payable to a specific person or company; anyone that has the check may cash or transfer it.
  • The majority of checks can be made payable to somebody, and who can collect the funds is also mentioned in writing the checks.
  • The payee is the only one who is permitted to handle or deposit the check. 
  • For writing this type of check, you should write “Cash” instead of the payee’s name.

Other Ways to Move your Money

Other Ways to Move your Money

Transferring money from one bank account to any other bank is not a difficult task. If you have to write a check to yourself, you must wait for the check to get back to your bank.

And to complete the process, you must wait for some business days to transfer funds between banks. There are many electronic tools to make the process of transfer of accounts easier to facilitate the customers.

ACH transfer

The easiest way to move the money is a bank-to-bank transfer, also known as an ACH transfer. It is an electronic way to move money from one account to another. To avail of this option, your existing bank offers you a bank-to-bank transfer service. Online banks permit you to link many accounts, which is the primary reason to use an online bank account.

Nowadays, brick-and-mortar banks offer this feature too. The process for moving funds through the Automated Clearing House network facilitates the transfer of funds electronically, as it is free of cost.

Other online services and apps

If your bank does not suggest transfer between accounts, you can choose any other user-friendly apps and third-party services. These apps are helpful to access the funds in your regular bank account. The drawback of this method is that it is time-consuming, and much effort is required to set up charges for these services.

Moreover, small transactions are easy, but large amounts are difficult to transfer and complete in many steps. For example, the PayPal account linked to the checking account, using a different Email address, can make a regular PayPal account.

Joint bank accounts

A joint bank account is an account that two or more persons or entities have opened. The close relatives or business partners commonly open joint bank accounts, but they can be used for other purposes, such as by the club committee.    

Writing a check to cash isn’t good; how to write it anyway:

Writing checks to cash isn’t a brilliant idea since you’ll be out of pocket for the cost of writing the check and any check processing costs. If you have insufficient money in your account and have to write checks to yourself to meet the face value, you may have to pay a $25 surcharge, so don’t create a $ 100,000 check with yourself for fun.

For example, if you have to pay a 3% transaction fee on your card and you write a check for $1000, you have to pay a $30 fee in addition to any rate of interest. 

Frequently Asked Questions

Is it possible for me to cash the check at any financial institution?

No, a check is not obliged to be cashed by any bank or credit union. When neither you nor anybody else writing the check has an account with your financial institution, the bank or financial institution will often decline to release the funds.

Have you bounced yourself out of a checking account?

It can happen to anybody, even you, to bounce a check. You may compose one or be the recipient of one. If you get and deposit a bounced check, you will owe your bank a charge or payment for retrieving the bill.

Can I create a check for myself with no money in my account?

When any person pays with a check, the only authorization the system needs is the account written on the check. In short, creating a check for yourself is not a bad idea is not illegal if you know that there are no sufficient funds in your account and write a check to yourself. 

Why is it a poor idea to write a check to pay?

Yes! It’s not a good idea to write a check to oneself to cash since you could not obtain all of your money right away. If the entire amount of checks is significant, the bank may not make the total amount of checks accessible to prevent check fraud.

The bank may also add additional hold periods to the check to ensure that it is visible when you wish to transfer it into your bank.

What can you do other than write a check to cash?

The alternative way of writing a check to cash is a write a check payable. A check payable to the “bearer” works the same way, as anybody bearing the document can cash it. Instead of specifying the payee, “cash” on this cheque.

As a small business owner, how should I pay myself?

If you want to pay yourself a check as a small business owner, you should be an efficient taxpayer and follow the steps.

  • Take away the straight salary, because it is simple and easy to manage.
  • It would help if you balanced your salary by having payments with dividends.
  • You’ll be paid in stock or share options.
  • Finally, write a company obligation to pay yourself later if you take a salary and yearly bonus mix.

How to write a check for cash and how to cash it?

To cash a check, the best place is your bank or credit union.

Pay a visit to the issuing bank, approve the check to a buddy, and pay a check with an application.

What is a check payable to cash?

A check payable to cash is the same as money, as anybody can use it, assuming the check does not bounce. If your check gets lost, whoever will find it can receive a cash payment on it or deposit it until you restrict the amount on the check. Likewise, the recipient can give this check to someone else.

How to write a check payable to cash?

To write a check payable to cash, write “cash” instead of the payee’s name.

How to cash and deposit a check for cash?

You get a cashier’s check and wish to pay it like any other check. It would help if you validated it by verifying your account number on the reverse of the check and putting it at your standard bank or any other institution in which you have a checking account.

If you choose to cash the check instead of depositing it, you must travel to the bank where the funds are issued.


From the above discussion, it is clear that writing a check to yourself can be convenient to transfer money from bank to bank. So it would help if you did not visit any other bank with cash or pay the wire transfer fees to receive the funds from any other bank.

However, it is necessary that when you create a check for yourself, there should be enough funds in your existing account when you deposit the check. Your check will be bounced when the receiving bank will accept the bad check.