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What is a Check (or Cheque)? A Simple Explanation for Kids, Teens and Beginners

What is a Check (or Cheque)? Banking 101: Easy Peasy Finance for Kids and Beginners

Introduction to a Bank Check for Kids and Teens

This video explains the concept of checks in a simple, concise way for kids and beginners. It could be used by kids & teens to learn about a check (or cheque), or used as a money & personal finance resource by parents and teachers as part of a Financial Literacy course or K-12 curriculum.

What is a Check or Cheque - A Simple Explanation for Kids Teens and Beginners
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Suitable for students from grade levels:

  • Kindergarten
  • Elementary School
  • Middle School
  • High School

The topics covered are:

What is a Check or Cheque - Infographic
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Infographic: Click Here to Download

I heard that someone made a check for a lot of money. But…

What is a check, anyway?

Well, a check is a special kind of paper that you can use to pay money to someone else.

Who can write a check?

A person who has a checking account in a bank can write a check, for money out of that checking account.

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But, does the money come from the checking account?

Yes, it does. Very good question.

What is a Check for Kids Teens and Beginners - A Simple Explanation
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How long does it take for a person to get the money?

Well, usually it takes 2 to 3 days, so it’s not immediate.

Okay, but can I write a check to myself?

Yes, you can write a check to yourself. You can use that for taking money out of your account, if you’re not using an ATM, or Automated Teller Machine. Only in this case, you get the money immediately.

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But where can I get the checks from, anyway?

Well, usually you can get blank checks from your bank. But you can also buy them from other sources and private companies.

Can I make my own checks?

No, that would be fraud. But you can usually customize your checks. For example, you can have a background of your choice or your address can be printed on the check.

But how do I even write a check?

What is a Cheque or Check for Kids Teens and Beginners
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Well, you just need:

  • The date
  • The name of the person you’re paying the money to
  • The amount of money you’re paying to that person in numbers and words, and
  • The most important part – your signature. Because without the signature, your check will not go through and you will not be able to pay that person.

Oh, okay, then the signature is really important!

Yes, it is very important.

Writing a check with not enough money in the account

But what happens if I write a check for more money than that’s there in my account?

Well, that is a special situation called an overdraft. There, you are charged an overdraft fee. But we’ll cover that in the future video.

And one more thing, Sooper Cooper. Remember, finance is your friend!

Note: ‘Cheque’ is another commonly used spelling for a bank check.


Do you use checks? Or you use other modes of payment, like online transfers?

Let us know in the comments below!

Video Featured in the Below Financial Literacy Course for Kids & Teens

Download Transcript: Ideal for Use by Teachers in their Lesson Plan to Teach Kids & Teens

Podcast: What is a Check (or Cheque)?

What is a Check or Cheque
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