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'checks and balances' is correct and usable in written English.
You can use it when you are talking about a system of preventing any one group or person from having too much power. For example, "The system of checks and balances ensures that no one branch of the government is too powerful."
Dictionary
checks and balances
verb
Third person singular of check and balance
Exact(59)
Checks and balances?
Checks and balances remain.
Democracy requires checks and balances.
Too many checks and balances.
"That means checks and balances".
No checks and balances.
"I like checks and balances," he said.
That suggests many checks and balances.
He doesn't want checks and balances".
Good government needs checks and balances.
Similar(1)
Do we not have "checks-and-balances"?
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com