A checkbook is a wallet-like folder you get when you open a checking account. Checkbooks include checks and deposit slips preprinted with your account number and the bank’s routing number. Your name, address and phone number are usually printed in the upper left-hand corner of checks and deposit slips. Checkbooks also come with a booklet called a check register that’s used to record each transaction. Taken together, the components of a checkbook provide everything you need to keep track of your checking account transactions.
Filling Out Deposit Slips
Fill out a deposit slip when you deposit physical cash or checks into your checking account. Enter the date in the space provided on the left-hand side of the deposit slip. Below the date is a line for your signature. You only need to sign a deposit slip when you ask for cash back from the check amount being deposited.
Enter the amount of currency and coins in the spaces provided. You’ll find them on the upper right-hand side of the deposit slip. Below the spaces for cash are lines for checks you are depositing. If you have more checks than lines, write the amounts of additional checks on the back of the deposit slip and put the total from the back in the space provided.
Write the total amount of cash and checks on the “Total” line. If seeking cash back, enter the amount of cash you are getting in the next line down, which is usually labeled “Less Cash Received." Subtract cash received from the total and enter the net deposit amount in the last line.
Writing a Check
Write the month, day and year on the date line at the upper right of the check. The next line down starts on the left-hand side of a check and is labeled “Pay to the order of.” This is the payee line, and you write the name of the person you are paying here. To the right of the payee line is a space labeled with a dollar sign. Write in the amount of the check in numerals.
Write the amount of the check in words on the line immediately below the payee line. Write the cents part of the check amount as a fraction of 100. For instance, if the check amount is $107.15, write “One Hundred Seven Dollars and 15/100.”
Write in the purpose of the check in the space located in the lower left-hand corner of the check and labeled “Memo” or “For.” At the lower right is a line where you sign the check. Always sign your name exactly as it is printed on the check.
Recording a Transaction
Record transactions in your check register. There are usually six columns in a register. Start from the left and write the check number in the first column. The check number is printed on the check in the upper right-hand corner. Leave this line blank if you are entering a deposit or an electronic payment. Write the date in the second column.
Write the name of the payee in the third column. If you are making a deposit, you can simply write “Deposit.”
Enter the amount of a deposit in column four and leave the next column blank. If you are writing a check or recording an electronic payment, skip column four and write the check amount in column 5. The column on the far right is for your account balance. For deposits, add the deposit amount to the amount on the previous line in the balance column. Subtract the amount of a check or electronic payment from the previous balance. Write the result in the balance column.
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