What do the numbers on a check mean?

In today’s age of digital banking, the use of physical checks might seem antiquated. But there are several scenarios where they’re still preferred or even required. Checks account for just 3% of all payments made by U.S. consumers, according to the 2024 Diary of Consumer Payment Choice report by the Federal Reserve Bank—but they remain a solid (or the only) payment choice for certain transactions.

Here are some instances where using a physical check might be necessary or beneficial:

• Rent or homeowners association payments. Many landlords and HOAs still prefer or require checks for record-keeping purposes.
• Payments to contractors or service providers. Checks can provide a clear paper trail and might be requested by some independent contractors.
• Gifts. A check can be a thoughtful and secure way to give someone money, especially when gifting larger amounts.
• Charitable donations. Many charities accept checks, which could also simplify your record-keeping for tax purposes.
• Government services. Certain services, such as passport renewals, might require payment by check.
• Direct deposit setup. Some employers ask for a voided check to get the necessary information to set up direct deposit.

What are the numbers on a check?

Writing a check can be confusing if you haven’t done it before, or if it’s been a while since you last used one. Our anatomy of a check below reveals the meaning of the numbers on a check.

Best practices for writing checks

The following best practices will help ensure your transactions are processed smoothly and securely whenever you’re writing checks:

• Always write checks in pen to ensure no information can be erased or altered later. If possible, use blue pen, as black ink can be duplicated via printer or copier.
• To avoid any misinterpretation, write legibly so all information is clear and easy to read.
• Sign your name consistently on all checks so your signature matches the bank’s records.
• Record every check you write in a register or digital app for tracking purposes.
• If you don’t have a check handy, you can get your routing and account numbers by logging into your bank’s app or online banking platform.

If you still have questions, you can learn more about checking account options and decide what works best for your lifestyle.

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The information provided herein is for informational purposes only and is not intended to be construed as professional advice. Nothing contained in this article shall give rise to, or be construed to give rise to, any obligation or liability whatsoever on the part of Discover Bank or its affiliates.