Memo (optional).
At the lower left is a line where you can, if you choose, note what the check is for, or write in your account number for, say, the utility company you’re paying with that check. It can also indicate that the recipient should apply the money to what you owe and not some other item.
Likewise, does the address on your check matter?
The address on your check does not really matter, although it’s good if it’s accurate. The more important details are your account and routing numbers, which have to be accurate for the check to be processed.
Also question is, does the memo on a check matter? Add a memo (optional, bottom left hand corner): The memo is for unofficial reference only and doesn’t affect whether or not the check can be cashed or not. You can use it to remind yourself of what the payment was for, or you can also use that space to tell the payee more details about the payment.
Simply so, is memo on check legally binding?
No, it is not legally binding. One party may not unilaterally change the amount owed or terms of payment by doing this. There is a common myth that the memo line on a check has legal force – it doesn’t.