Another use for a voided check is to set up direct deposit payments, usually for payroll payments from your employer into your checking account. The employer needs a voided check in order to extract the bank account information from the bottom line of the check. Yet another use for a voided check is when a lender wants to use it to set up an automated loan payment. As was the case with direct deposit, the lender will want to use the bank account information listed on the bottom line of the check. If all else fails, you may be able to get official documentation from your bank or credit union instead of voiding a check. Ask for a letter, printed on bank letterhead, which lists your account number, routing number, and account type (checking or savings).

• When a check has the word VOID printed across it, it’s rendered unfit for any transactions.
• To get a voided check you’ll need to talk to your bank and get them to send you a checkbook.
• Generally, if “VOID” is written across a check, no matter how or where, it will be recognized as a voided check.
• No matter what financial service you use, be it a bank or a credit union, the process to void a check from any financial organization is going to be the same as the process outlined above.
• Our seasoned bankers tap their specialized industry knowledge to craft customized solutions that meet the financial needs of your business.

Most companies don’t even need an original; a copy of a voided check is good enough. It’s typically written in large letters so there’s no chance of it accidentally being used. All you should see is the bank information such as your routing number, account number, and check number, and the word ‘VOID’, which you should have written on the front of the check. No, it isn’t necessary to sign or put any information on a voided check. To void a check, you’d have to cancel it before the recipient had deposited it.

Automate bill payments

This is especially the case when setting up automatic recurring payments. Once you’ve finished signing your create voided check online, decide what you want to do after that – save it or share the doc with other parties involved. The signNow extension provides you with a selection of features (merging PDFs, including numerous signers, and so on) to guarantee a better signing experience. SignNow makes eSigning easier and more convenient since it provides users with a number of extra features like Add Fields, Invite to Sign, Merge Documents, etc.

When you void something it means you’ve made it empty, of no effect, or null. So, if a written check is full of the monetary amount you write on it, voiding the check makes that check financially empty. Voiding a check is a common practice used to nullify incorrect checks and set up direct deposits or bill payments.

Voided Checks

Pull a blank check from your checkbook, making sure to note its official check number in your ledger as you do. Make a note of “VOID check” to make sure you know why that check is skipped when you’re balancing your checkbook. Nor do you have to worry about logging onto online bill payment services after you set up automatic electronic transfers, either. The name of your banking institution is going to be printed prominently at the top left-hand corner of your check. At the very left-hand bottom of the front of your check is going to be your routing number, your account number, and the official check series number (in that order).

If a voided check clears, customers can file a claim when they receive their statement. It’s important to note that you can’t void a check once you’ve given it to the payee. The only way to stop the check from being cashed or deposited is to request a stop payment from your bank, which may involve a fee. Using paper checks can be risky, because of the sensitive banking information they contain, which could be dangerous in the wrong hands. Once you’ve voided a check, try to ensure it’s either disposed of or kept safely with other sensitive files.

What’s the Difference Between a Cleared Check and a Canceled Check?

The process is fairly straightforward, but it’s important that you do it carefully to avoid someone using your check fraudulently. Some of the payments that qualify for a direct deposit include unemployment checks, retirement funds and other benefits from government agencies such as pensions, and also paychecks from your employer. Other examples include profits from annuities, mutual funds, deposit certificates, and income from any investments. Once you have the voided check you need, consider scanning or photocopying it.

A voided check is simply a check that has the word VOID handwritten or printed on it. When a check has the word VOID printed across it, it’s rendered unfit for any transactions. This is the reason banks will request a void check rather than a blank one, i.e., to make sure it can’t be used.

This is because it is an easy and convenient way for the employer to have access to your bank information without requiring you to make a money transfer. Before giving an employer a voided check, it can make sense to first make a copy of the check, so that you know how the check was used. First Republic is not responsible for the content, links, privacy policy or security policy of this website. If you choose not to use a voided physical check, you will want to check in with the other party to see what alternatives they accept.

How to protect your void check when completing it online?

Writing “VOID” across the front of the check prevents anybody from using the check to make a standard check payment (by filling in a payee and an amount). In fact, GlobalBanks IQ even helps non-resident, foreign & offshore entities open bank accounts. Sometimes you’ll need to cancel a check payment after you’ve already sent or given the check.

By using auto-pay you won’t have to worry about forgetting any bill payment and accruing late fees and hits to your credit score. You can ask your bank to draw you up a “counter check”, a special type of check that can be officially voided by the bank but still includes your important account information. You might also ask the business or organization requesting a voided check if they would accept a deposit slip that has been voided as well. You can also request a stop payment order through your online banking web portal. But read the fine print about when the stop payment will go into effect.

Do I need a voided check for direct deposit?

This link will have the phone number you need to contact them and the step-by-step process of how to void a check online. Sometimes you can also just bring them void check into them at the office directly. If any of these things occur you can simply void the check to ensure it doesn’t accidentally get used later. In a way, voiding a check you already wrote is a safe method of destroying the check. If both of these options fail you might want to ask the bank to record your pertinent account information and then notarize the letter, making sure it’s printed on their official letterhead.

• Writing “VOID” on a check means that the check can’t be deposited or cashed.
• For example, if your company’s payroll department needs a check from you to set up direct deposit, you can provide a voided check.
• The information in this publication does not constitute legal, tax or other professional advice from Wise Payments Limited or its affiliates.
• In addition, a voided check takes away the hassle of sending in payments or setting up an online payment each month because it automatically comes out on the specified date.
• If you have further questions you would like to ask our team, don’t hesitate to get in touch.

You can cancel a check yourself by voiding it or requesting a stop payment from your bank. To get a copy of a check that has been canceled, you’ll usually need to request it from your bank directly or access it via your mobile benefit offerings banking account. If you need to cancel a check you’ve written before it is cashed, you have a few options. If you still have the check in your possession, you can write “void” across the front of the check in large letters.

How a Voided Check Works

Employers usually ask for a voided check as a simple way to collect your banking information for direct deposit. With the routing and account numbers from your voided check, your employer can arrange to have your paycheck deposited directly into your account on payday, saving you time and hassle. Although the primary purpose of a check is to facilitate a money transaction, voided checks exist for several reasons. One group of motives derive from errors or changes in the transaction. For example, some information was wrongly written or the check is not needed any more because the transaction was cancelled.

We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. If you add one too many ‘0s’ to your check, you can’t just correct it and hope it works out. You also can’t discard it because if someone were to get hold of it they could withdraw money from your account. Connecting you to a trusted network of resources created for your financial and personal success.