You haven't given enough information to answer the question. If you were to photograph the board and attach the photograph with your question we could answer.
Checkmate occurs when the king is in check and can not move out of it, either by moving the king, interposing a piece, or capturing the checking piece.
Have a look at this unusual mate by 13 year-old Bobby Fischer in 1956. He was playing one of America's leading grandmasters, Donald Byrne. The king is being checked by the rook which also prevents it moving to the second rank. The knight prevents it moving to either side.
And, no, you don't have to say "Check". Many beginner players do but at tournament level it can be expected that your opponent will know that he/she is in check.
