How To Void a Blank Check

What is a Voided Check

If you’re going to receive payments from an employer electronically, you can send them a voided check, so they have all of your bank information. You might need to use a voided check to set up an electronic link to your checking account. Most likely you’ll need to set up this link to get your paychecks through direct deposit, or to set up a recurring payment like your monthly bills. A voided check is a check with the word “VOID” across it, which indicates that it shouldn’t be used for payment. It’s typically written in large letters, so it cannot be mistaken for cash use. Voiding a check prevents the check from being used by anyone, especially thieves who could write a large sum of money out to themselves.

What is a Voided Check

You can keep the original for yourself as a reminder that the check with this number was not used for a specific payment. If you’re tired of dealing with paper checks and keeping records, Wise can help you manage your money electronically.

Credit Cards

Other Ways to Set Up Direct DepositIt’s possible to establish direct deposit without voiding a physical check. It’s important to note, however, that your employer or other parties may not always accept all of these alternatives. Similarly, you may be asked to submit a voided check for automated clearing house transfers, such as bill and loan payments. This is especially the case when setting up automatic recurring payments.

Make sure you copy the number across correctly or you might cancel the wrong payment. How and where the offers appear on the site can vary according to the partnership terms. Affiliate partnerships may affect where a particular product is listed within a review, but they don’t affect the review’s content in any way. Fill out the signup form and follow the instructions to finalize the process. Some mobile banking apps allow you to quickly identify and block fraudulent activity.

Voided check example

You would not want any thief to remove the word void because after that they will have a blank check in their hand. Also, you should not cover the banking information which is written at the bottom of the check. Often, banks will provide instructions on how you can set up a direct deposit without a voided check. Reach out to your bank, or see if there’s any information online about how you can do this. While you don’t strictly need a voided check to set up a direct deposit², many employers will ask for one. To get a voided check you’ll need to talk to your bank and get them to send you a checkbook.

  • You can take a check from your checkbook and write “void” across it in large letters and provide the check to your employer.
  • Sometimes, an alternative color pen may not show up correctly, or may not be accepted by the other party.
  • Banks don’t want you to provide them with a blank check, as someone could write on this and maliciously try to take money from your account.
  • For example, if your company’s payroll department needs a check from you to set up direct deposit, you can provide a voided check.
  • Make sure you copy the number across correctly or you might cancel the wrong payment.
  • The main goal is to ensure your paychecks are going to the correct account.

A voided check is simply a check that can no longer be used to make a payment or withdraw money from your checking account. A voided check has the word “VOID” written across the front of it. You can also use a voided check to set up automatic electronic payments, including ongoing expenses such as rent and bills. If you have a Chase account, then you can also just fill out a form instead of using a void check to set up direct deposit. All you’ll need to fill out the direct deposit form is your routing number, account number, and check ID number.

What is a Voided Check for Direct Deposit?

We strive to provide up-to-date information, but make no warranties regarding the accuracy of our information. FinanceBuzz is not a financial institution and does not provide credit cards or any other financial products. You’ll get a $200 bonus when you open an account and set up direct deposit. In the same vein, if the check you’ve made a mistake on is voided and someone comes across it, they can’t use it to fraudulently withdraw money from your account. First, you might want to void a check if you make a mistake while writing it. This may include writing down the wrong amount or making it out to the wrong person.

  • When you void a check it can’t be used as a check, meaning it can’t be deposited.
  • With the rise of online banks, your checking account may not come with a supply of paper checks.
  • Either that or you may be able to fill out a form online — for example, your bank may have its own direct deposit form.
  • Or, it may not be accepted by the recipient’s bank at all, causing the check to bounce.
  • But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you.
  • A voided check will have all of your bank information printed on it, so it can provide others everything they need to set up a direct deposit payment from your account.
  • Yet another use for a voided check is when a lender wants to use it to set up an automated loan payment.

She has written on personal finance issues for over six years and holds a Bachelor’s degree in Japanese from Georgetown University. Even if the check has been made out to an individual, store, or other institution, it can no longer be used. And if the check is blank, the fields can no longer be filled out and used as payment. While many people have switched to using debit cards instead of checks, there are times when you may still need a check. There are also instances when a company requests a voided check, or when you wish to have a check voided for your own purposes. You may also request a letter from your bank with your vital account information, or you can get a preprinted deposit slip or counter cheque from your bank and use that instead. Since cheques aren’t widely used anymore, you might find yourself needing a voided cheque without any cheques on hand.

Reasons to Open an Online Savings Account (and 4 Reasons Not to)

Take a look at the FAQs Page for Bank of America to read all about voiding checks with their bank. If Bank of America is your bank, and you want to set up direct deposit, then you actually don’t need to void a check with them to do so. Once it has been appropriately voided, a check cannot be used. Although you can sometimes deposit a voided check in an ATM, this type of error is likely to be What is a Voided Check spotted when human tellers review the machine’s deposits. Any erroneously-cleared funds will then be removed from the recipient’s bank account and returned to the original owner. In the event that a void check clears, customers can file a claim when they receive their statement. If you don’t have checks, there are other steps you can take to set up direct deposit or electronic payments.

What can I use instead of voided check?

  • A direct deposit authorization form.
  • A voided counter check.
  • A deposit slip with your banking information preprinted on it.
  • A photocopy of a check or deposit slip for your account.

Consumers often provide their own routing and account numbers online without any problem, so voided checks are required less frequently. For example, online banks allow you to link external accounts by typing in those details yourself. Billers, such as utility companies, also accept payments by e-check when customers input their checking account information. Some businesses even take payments over the phone, allowing customers to provide the information orally. Employers may ask for a voided check to help them set up direct deposit and you may need to void a check for other purposes, so it’s handy to know how. However, there are some alternatives to voided checks — like counter checks, a letter from your bank, or bank deposit slips — if you don’t have a paper check readily available.

What Does Voided Check Mean?

Be aware of a few important safety security considerations when voiding a check to keep your account information and personal details safe and hidden from fraudsters. However, you want to make sure the word is clearly seen so that thieves can’t write in any information and cover up the word. You don’t need to sign the check or add any other information when you’re voiding it.

Can debit cards be voided?

Article Details. Once a debit card transaction has been submitted for processing, it cannot be voided and is only eligible for a refund. Visit this page more information on refunds . Typically, a credit card transaction can be voided on the same business day that it was initiated.

Rather the person who is receiving the check can fill out the banking information which is provided in voided check to transfer the fund into the check writer account. 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.

For example, if your company’s payroll department needs a check from you to set up direct deposit, you can provide a voided check. Then you know that no one would be able to alter the check and spend it, because it has been voided. The easy way to do this is to write “void” in big letters so that it covers most of the check. Make sure the bank routing number and your account number on the bottom of the check are still readable, as well as the name and address of the bank . Alternatively, you could write “void” in the payee line, dollar amount box, signature line, and dateline. Ultimately, voided checks can come in handy in many situations. Knowing the right method to void a check, as well as the security steps to protect yourself, can help make payment — both as a recipient and as a payee — more efficient.

What is a Voided Check

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