Can You Write a Check to Yourself?

You may have heard of this before. Someone writing themselves a check. But doing this seems strange since the money is already yours.

So, can you write a check to yourself? Why would anyone want to, and has it been done before? Find out the answers here. 

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Can I cash a check that I write to myself?

Yes, you absolutely can write a check to yourself, and you can cash it, too. After all, Jim Carrey famously wrote a 10 million dollar check to himself and, many years later, cashed it.

You just need to write out the check from yourself and then to yourself. After it’s written, you can cash it at a financial institution, usually a bank, as long as you have the funds. 

There are some other places you could cash it, as well. Some places like Walmart might let you cash it or additional check cashing places. It will depend on their policies and rules.

How big of a check can I write myself?

There isn’t a set limit on how large of a check you can write to yourself or anyone else but the specific place that you cash it may have its own regulations. So know in advance if there are rules.

One obvious thing is that you can’t cash a larger check than the amount you have in your bank account. So don’t write yourself a check larger than the funds you have available.

It’s also worth noting that any significant amounts of money may take a bit of time to get to you. Larger checks might have a holding period after you deposit them. 

How to write a check to myself?

It’s a pretty simple process. Same as writing one to anyone else.

Fill out your check in the usual manner, and then put your own name on the “pay to the order of” line. This is because you’re giving yourself the money, technically. There’s nothing else to it.

Related: All the parts of a check explained

Can I write a check to myself from one bank account to another?

Yes, and moving your money from one bank account to another is the primary reason for writing yourself a check in the first place.

You need to move funds from one place to another account, and this is one method that works. But be prepared for a holding period before you can access the funds in the account you are transferring it to.

How to write a check to myself and then deposit it?

You can write a check to yourself and then deposit it. Write your check as normal but with your name as the recipient, to be deposited.

Then you can use any of the usual methods – bank teller, ATM, or mobile app on your phone, to deposit the money. 

Can you write a check to yourself for mobile deposit?

Yes, you can write a check out to yourself and then deposit it from a mobile app. Just be sure you understand the policies of the bank that you’re working with for the transaction.

Read up on any rules, and always feel free to ask someone that works at the bank if you’re unsure.

What happens if you write a check to yourself?

Nothing different than usual happens if you write a check to yourself. As long as you have the amount you wrote the check for to take from one account to the other, the process is really no different than if anyone else had written the check to you. 

Can you write a check to yourself with no money?

No, this is not something that you should do. If you don’t have the money in the account, it’s illegal to write yourself a check.

It is considered fraud to try to get cash in this way when you don’t have it, so you definitely only want to write a check to yourself for the amount you actually have available in the bank.

Other ways to transfer money

Writing checks is a little bit of a hassle, not to mention that many people don’t carry checks with them during the day or even have them in the house.

If that’s the case, writing yourself a check every time you need to transfer money to one of your accounts can be annoying. What can you do instead?

Transfer between accounts

You can link your various bank accounts so that you can quickly transfer money between them. It will become easier to transfer money between accounts if you do this. Try this out and only use accounts that you can link to each other.

Don’t have so many bank accounts

Another solution is to simplify. After all, if you don’t have so many accounts, you won’t need to transfer as often.

So try having a few accounts at only a couple of banks. A checking and some savings accounts at each.

Then you don’t have to go back and forth writing checks to transfer money to various accounts. Try to limit yourself to fewer accounts and use only a couple of banks for simplicity. 

Yes, you can write out a check to yourself to cash or deposit

Yes, you absolutely can! As long as you have the money, then you can cash or deposit a check to yourself whenever you’d like.

Some people use this practice as a way to move money to different accounts that they own. But there are other ways to move money, and the easiest might be to set up direct deposits right away for the account you want to keep the money in.

This is usually the quickest process for getting cash to your account anyway, and if you spend a little time setting things up, it can save you a lot of time later. If you do this, you won’t find yourself needing to use checks for this purpose as often. 

Checks aren’t complicated, and it’s important to know about them. You can write checks to yourself or others if you follow the rules. The recipient can then cash or deposit the check correctly.

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Steffa Mantilla

Certified Financial Education Instructor

Steffa is a Certified Financial Education Instructor (CFEI) and the founder behind Money Tamer. Her 12-year background in operant conditioning and positive behavioral change training is used to help people find effective motivators to change their harmful money behaviors. Steffa explains the reasons “why” behind people’s financial behaviors and how to successfully change them. After paying off over $80,000 in debt through budgeting, she now teaches families how to get their own finances in order. You can learn more about her here.

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