On a check – which is one of the few places where you see such numbers written out in their long form – you might see any of the following conventions used:
- Twenty-three thousand four hundred twenty-eight dollars &
thirty-two cents
- Twenty-three thousand four hundred twenty-eight dollars and 32
cents
- Twenty-three thousand four hundred twenty-eight dollars and 32/100
I don't believe too many people would use the top one, though – not when they were writing out the number in longhand – although you might see the number of cents spelled out on a computer-printed check.
In the case where the dollar amount is even, you might see:
- Twenty-three thousand four hundred twenty-eight dollars and no cents
- Twenty-three thousand four hundred twenty-eight dollars and no/100
- Twenty-three thousand four hundred twenty-eight dollars & 0/100
- Twenty-three thousand four hundred twenty-eight dollars only
I think the last one is relatively uncommon, although I've personally used it for decades. (I first saw it as a teenager, thought it was a cool, quirky way to write checks in even amounts, and so I adopted the practice.) Sometimes I'll even use the word exactly, when the dollar amount is more even:
- Twenty-three thousand four hundred dollars exactly
although I don't usually write checks in that large an amount.