How to Alter the Memo Section of a Personal Check

Save

Writing a check is a quick and easy transaction to make. It saves time, it's safe, and it allows you to create a clear paper trail between you and a payee. For thorough record-keeping, use the memo line on your check to record specific information about your transaction. This is a way to relay messages to your payee, or even to record information you know you'll forget later.

Things You'll Need

  • Payee account number
  • Pen
  • Determine the type of message you'd like to leave in the memo field of your check. For example, write "for payment to loan number 123456" to make sure your check is applied to the proper account. This will help the payee avoid confusion when applying your payment. You might also want to leave yourself a note if you wrote a check to an individual. Alternately, write something like "For John's birthday" or "Gutter cleaning," so it's easy to remember why you wrote that check in case you forget six months down the road. Or leave a personal message to your payee, like "Happy Birthday, John!"

  • Verify spelling and any account numbers you've added to the memo field. Ensure the right information is written so your payment is processed correctly. This information can also be used in case of any future disputes regarding payment for loan accounts.

  • Make any necessary changes in case of misspellings or missing information. For example, you may have forgotten to add a digit to the loan number you've intended to pay and it reads 1234 instead of 12345. This could result in headaches for you down the road if your payment is processed incorrectly.

Tips & Warnings

  • Depending on your state, a check memo has the potential to be legally binding.
  • Fraudulent checks often have altered memo lines.
  • Photo Credit signing check image by jovica antoski from Fotolia.com
Promoted By Zergnet

Comments

You May Also Like

  • How to Alter a Jacket

    Jackets are nice to wear with a lightweight sweater or T-shirt underneath, but a well-fitting, modern jacket can be elusive to find...

  • How to Write a Memo

    A memo is a common form of communication in the workplace. It provides an easy way to convey information or ideas to...

  • How to Write a Check

    Properly writing a check reduces the chances of making an error and makes it difficult for someone to fraudulently alter the information....

  • How to Write a Personal Memo

    The purpose of a personal memo is to address a particular problem or to offer a solution to a problem. A memo...

  • How to Spot Altered Checks

    Check fraud is very common and easily done. To protect yourself or your business from fake checks, you will need to learn...

  • How to Connect a Check to a Credit Memo in QuickBooks Pro

    A credit memo reflects the return of an item you already recorded as a sale through an invoice, sales receipt or customer...

  • How to Record a Credit Memo

    Vendors issue credit memos to customers to correct billing errors and to allow for the return of products. You should take the...

  • How to Write a Memo to a Coworker

    A memorandum or memo is generally used to bring attention to an issue and to present a solution. It can also be...

  • How to Write a Memo to Staff

    According to the Purdue University Online Writing Lab (OWL), memos are written to highlight or resolve problems. Northern Kentucky University’s School of...

  • How to Print a Memo Column in QuickBooks

    People receiving invoices can easily overlook the memo. If this concerns you about the invoices you send to people, you can fix...

Related Searches

M
Is DIY in your DNA? Become part of our maker community.
Submit Your Work!