How to Write a Check to Yourself | 6 Simple Steps

Can I Write a Check to Myself? Presently, you can easily withdraw money from your account or make transfers via electronic means. But what if you do not have a banking mobile app or a credit card?

This is where you will have to write a check to yourself and cash or deposit it.

A lot of people do not deal with checks. They are used to mobile apps and making withdrawals or deposits from the ATM. Hence, they do not know to write a check accurately.

Writing a check to yourself is just similar to writing a check to someone else.


This is called a post-dated check. Additionally, you will get to know how to write a check to yourself and deposit it in an ATM.

How can I write a check to myself?

There is no big deal here. The same way you issue a check to someone else is similar to the one you will issue yourself.

If you want to write a check to yourself take these 6 simple steps;

  1. Write the date at the top right corner of the check where there is the dateline.
  2. On the long line that reads “Pay to the Order of“, write your legal name in full.
  3. On the line below, write the amount of money you wish to deposit or cash in words. You will see a box on the right-hand side of the “Pay to the Order of“, write the amount in digits or numerics.
  4. Write the reason (if it is for cash or deposit) on the “Memo’ line which is on the lower-left corner of the check. This will help you to remember the reason for writing and cashing the check.
  5. On the signature line, use a pen and sign the check.
  6. Turn to the back of the check and endorse it by signing your signature.
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In the box to the right of the “Pay to the Order Of” and cash amount lines, write the cash amount as a numerical value.


On the “Memo” line in the lower left-hand corner, write the reason for the check, whether it is for cash or other purposes. This makes it easier to remember why the check was written and cashed.

Sign the check on the signature line.

Endorse the check on the back of the check with your signature.

See Also: How to Endorse a Business Check | When and How to Sign It


Can I write a check to myself with no money in my account?

Yes, you can. Below is the process for issuing a check to yourself if you do not have money in your account:

  • The bank issues you the check
  • You fill out the check and pay for the services/products
  • The retailed gets the money from the bank
  • The amount which the check bears is refunded from your account on the specified date

Now here is the explanation.

The bank will lend you the money with you as the endorser. While the bank is paying the money to the payee, they will have you be responsible for it from your personal bank account.

The bank will charge you if you cannot back it up as a result of insufficient funds in your bank account.


Check-kiting is the act of writing a check if you have no money in your account. This is an illegal act that permits people to have access to non-existing funds.

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People use this method to get unauthorized credit. If you make any payment with a check, the only authorization the system needs is for you to have your account written on the check.

Additionally, it is illegal to write yourself a check if you intentionally write it when you have no money in your account.


Can I write a check to myself and deposit it in an ATM?

Yes, most banks and credit unions support ATM check deposits as long as you have an account with that bank.

All you have to do is write a check to yourself, You can then deposit the check to another account owned by you in the same bank or another bank.

Read Also: Parts Of A Check: Learn What To Write In Each Space


Although the use of credit cards has become very popular, checks are still being used. Situations, where people use checks most times, including paying utility bills, rent, or some other huge transaction.


Writing yourself a check is the same thing as writing a check to someone else.

You can use the check that you issued yourself to withdraw money from your personal bank account if you do not have a credit card.

Bear in mind that you will need your driver’s license or other government-issued identification to cash the check.

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