The rules
Each group of digits is read in turn: hundreds, then thousands, millions and billions, or in South Asia thousands, lakh (100,000) and crore (10,000,000). British usage adds “and” before the last part under one hundred, so 105 is “one hundred and five”.
Cheque wording capitalises each word, writes the minor unit (paisa, cents, pence) after “and” and ends with “Only”, so nothing can be added afterwards. Amounts are rounded to two decimal places first.