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Does The Address On Your Check Matter?

Last modified: Dec 04, 2022

We all know that checks have to have an address on them, but does that address matter? The answer is - It depends. Let's examine why the address on your check matters and when it doesn't.


Do I Need My Address on My Checks?

The address on your check is not the most important information, although it's preferable if it's correct when written down. Instead, the account number and routing number are more important to focus on, and they must be accurate for the payment to go through.

You can also find checks that need the option for the address to be written down. This demonstrates how irrelevant the address on your checks might be.

Is Address Required on Checks: With or Without an Address?

Even though we mentioned that your address is not essential regarding writing checks, it's still required in some cases. 

The address on your check is used to verify your identity. When you write a check, your bank will compare the address on the check to the address on file for your account. If the two addresses don't match, your bank may refuse to process the check.

The address on your check also helps to ensure that the intended recipient receives your payments. That being said, it's essential to use a correct and up-to-date address for the recipient. This will help ensure that the check arrives safely and on time.

Can I Use a Check With an Old Address?

You can still use checks with your old address if the routing and account numbers are correct. Financial institutions use these numbers to determine which bank to take the money from to pay the check.

If you're moving, it's good to let your bank know your new address. That way, you can continue to receive important account information like bank statements. In the meantime, you can use the rest of the checks in this book until your new checks arrive.

Consider informing the check recipient about the old address on the check and instructing them to update their information. Otherwise, you may not receive a receipt or follow-up communication from them because it could be delivered to your previous home.

How to Change Addresses on Checks

There are a few different ways to change your address. However, remember that whichever option you choose, never cover up the most critical required information on personal checks: the routing numbers and account numbers.

One option is to black out your old address with a pen and write your new address next/on top of the old one. This is the quickest and easiest way to update your checks, but it requires you to have a new supply of checks on hand.

Another option is to go through it with a bank teller. Go to your bank and inform them that you want to modify the address on your checks. Show the bank teller your ID. Inform them of your new address, and they'll place an order for new checks with your updated address.

Is a Check Still Valid if the Address Is Wrong?

The answer is generally yes if you're wondering whether a check is valid if the address is wrong. Usually, if your check has the incorrect address, it will be processed the same way a check with the old address would. 

The account and routing numbers need to be correct for the receiving bank to be able to withdraw the funds from your account.

However, there are a few things to keep in mind. 

  • The check may take longer if it's sent to the wrong address. 
  • If the payee can't be found at the address on the check, they may not be able to cash it.
  • If the check is returned to the sender, they may be charged a fee.

Ultimately, it's best to ensure that all the information on a check is correct before attempting to cash it.

Bottom Line

While the address on your check may not matter as much as you think, it's still a good idea to use the correct one. In addition, it's helpful to have all your account information updated and accurate in case of any problems with your account.

So make sure to double-check everything before you send out that next payment!


Where do you write your address on a check?

You can put your address in the upper left-hand corner of the check. This is optional, but if you have a lot of space, you can include extra information like your phone number or email address.

Can I put an address label on a check?

If you can, make sure the stickers don't cover any other information on the check, such as account and routing numbers.

Can I cross out the old address on the checks?

If you have moved and need to update your address, you can black out the old one and write your new address over it. Be sure to do this in a visible spot, so the recipient knows where to send the payment. 

Can I use checks with my maiden name?

If you deposit a check with your maiden name on it and your bank account has already been changed to your new married name, your bank will keep the money until it is verified. In this scenario, you'll need documentation of your maiden name and marriage change.

Can I use a check without a name and address?

Yes, you can use a check without a name and address. The purpose of including this information on a check is to help the recipient identify the account holder and to help process the payment. However, if you don't have this information available or prefer not to include it, you can write "For Deposit Only" in the space reserved for the name and address. This will let the recipient know that they should deposit the funds into your account rather than trying to cash it.

Policy Advice is a website devoted to helping everyday people make, save, and grow money. While our team is comprised of personal finance pros with various areas of expertise, nothing can replace professional financial, tax, or legal advice.

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