How to Write a Check for Cash

To write a check for cash, write "Cash" on the "Pay to the order of" line instead of a person's or business's name. Fill in the rest of the check — date, amount, signature — as usual.

Why this is riskier than a normal check

A check made out to "Cash" can be cashed by whoever is holding it — it doesn't require endorsement by a specific named payee the way a normal check does. If it's lost or stolen before you hand it over, anyone can cash it.

Because of that, only write a check this way when you're handing it directly to the person who will cash it, and avoid mailing a check made out to cash.

Want to put this into practice?

Check Writer 123 handles check layout, MICR encoding, and alignment automatically — join the waitlist to get access as soon as accounts open up.