How to Write a Void Check

If you want to set up autopayments or direct deposit, you will need to void a check with your bank account information on it.

If you want to set up automatic bill payments, direct deposits, or investments from your bank account, you will probably need to provide a voided check. That is because your bank information gets printed on your checks, which will then get used to set up an electronic link to your bank account.

If you have never set up these types of financial transactions before, it can seem intimidating. But, fortunately, voiding a check is relatively straightforward.

Key Takeaways

  • If you want to set up direct deposit or auto-pay, you will typically need to void a check.
  • When you void a check, no one can use it to make a payment or withdraw money from your bank account.
  • There are three simple steps to void a check.
  • If you do not have any physical checks on hand, we will discuss a few options you can try instead.

What is a Void Check?

A void check is simply a physical check with the word “VOID” written on the front. When you void a check, that means the check cannot get deposited or cashed out. So, even if you or someone else fills out the payment amount or other information, the check will get considered financially empty.

How to Void a Check 

Voiding a check is a simple as 1, 2, 3.

1. Get a Blank Check

If you want to set up direct deposits and automatic payments, you need to get a blank check.

2. Write “VOID” on the Check

Once you have a blank check ready, use a blue or black pen to either write “VOID” in large letters across the front or smaller letters in the date line, payee line, amount line, signature line and amount box. If you choose to write “VOID” across the front of the check, make sure the word covers the bulk of the check without covering the routing or account numbers at the bottom as those will get used to identify your account.

We recommend using a blue or black pen because you want the ink to be permanent and not let anyone erase the text. If you used a pencil, someone could erase the word “VOID,” fill out your check for any amount of money and then cash it out.

3. Make a Copy of the Check

After you void the check, note it down in your check register, including the check number, date, and reason it got voided. If you do not take a note, you will have a gap in your check numbers and may end up forgetting about it. Also, if the check number gets posted to your account or gets stolen, you will know that something went wrong.

Finally, save a copy of the voided check for whoever else may need it in the future by scanning or photocopying it. You can reuse it for different situations and keep it as a reminder that the check was not used for any specific payments. If you decide to store the copy, make sure to keep them safe, such as putting it in a locked filing cabinet or encrypted folder on your computer.

Example of  Void Check
Example of Void Check

Tips to Consider

If you are sending your voided check electronically, do not simply email it in a standard email message. Make sure to hide your account information from potential thieves and hackers by encrypting the image or uploading it to a secure file vault, for example.

Do not hand someone you do not trust a blank check. If you do not write the word “VOID” across the front of the check, anyone can fill it out and withdraw money from your checking or savings account. That is why employers ask for a copy of a voided check when setting up a direct deposit for you and not a blank check.

Reasons for Voiding a Check

There may be several situations where you will need to void a check. Let’s go over some of the most common scenarios in more detail.

1. Direct Deposit 

Most people these days prefer getting paid through direct deposit rather than physical checks. If you want your paychecks to get deposited directly into your checking account, your employer will ask for a voided check to get all your bank information.

Once they get the name of your bank or credit union, account number, and routing number, they can then establish a link to your bank account to set up the direct deposit. Voiding the check ensures that nobody will misuse your check in the process or take money from your account.

2. Automatic Payment 

If you struggle to stay on top of any recurring bills, such as rent, utilities, or credit card payments, you can use a voided check to set up auto-pay. That way, you will never have to worry about making late payments or missing a payment.

If you run a business, chances are your vendors will prefer to get paid electronically rather than in cash or physical checks. In those situations, sending them a void check will typically be part of the process to set up payment schedules.

3. Stop a Check Payment 

If you accidentally give a signed check to someone or the check gets stolen, you will need to rely on the honor system if you decide not to take action. The only way for you to stop it from getting cashed or deposited is to request a stop payment from your bank.

The stop payment instructs the bank or credit union not to honor the check if it gets processed. But, to stop payment on a check, you need to give your bank more information, including the check number, amount of the check, check date, photo ID, and recipient name.

Once you submit the request, you will need to send the official paperwork either by mail or in person at your bank within 14 days. Otherwise, your stop payment will not get honored. When your bank has received all the relevant information, they will pay close attention to the canceled check for six months, at which the stop payment expires. Note that some banks will charge a fee for this request.

4. Mess Up 

If you are filling out a check and make a mistake, you will need to void the check and start over. For example, if you notice that you wrote the wrong dollar amount or name for the recipient, voiding the check will prevent others from cashing or depositing it.

What if You Don’t Have Any Checks?

If you do not have any checks on hand, you will need to find an alternative. If you want to set up direct deposit, ask your employer for other options. If you are setting up automatic payments, ask your biller. Otherwise, we have a few other ideas below you can try out.

Online Options

Try setting up your bank account link entirely online instead of using forms. Most employers and businesses nowadays allow you to connect your bank account online by using your login credentials or your bank information. By submitting all your details online, you can bypass the need for voided checks.

Alternatively, you can try to preview a check on your bank’s website, print out the preview image, and then write “VOID” on the check. Note that this will not always work.

If you need to fill out an online form, the information you will need includes your routing number, account number, and the name, city, and state of the bank or credit union. Before submitting this information, double-check it for accuracy. Your routing number is specific to your bank, while your account number is specific to your account. The city and state should be the bank’s headquarters, not your local branch.

Deposit Slips

If your bank offers deposit slips, you may be able to link your account by using a deposit slip instead of a voided check. The deposit slips should contain your routing and account numbers. Note that sometimes a pre-printed deposit slip is required, which is different from the blank ones you can grab at the bank. You may also have some of these in the back of your checkbook.

Starter and Counter Checks

If you recently opened an account or have never used a check from your bank before, you can try to ask your bank for a starter or sample check. Sometimes, they will print one out with your routing and account numbers for you at no cost.

Another solution is to ask for a “counter check” at your local branch. Instead of giving you an entire checkbook, your bank will provide you with a single check that you can void. But, keep in mind that they may charge a small fee for providing the counter check.

Check Printers

If you want to get creative, try generating an image of a voided check using a check printer. While this method will not work if you need to mail a physical check, it can help you get an electronic image of a check with your bank information. To do this, start the process of ordering checks at your bank and when you get to preview your order, take an image of the customized check.

Other Documents

If none of the solutions above work, consider getting official documentation from your bank or credit union. Ask for an official letter, printed on bank letterhead, with your bank information. You can then use this letter in place of a voided check. If you do not want to go to the bank, see if they will provide form letters for you through their online banking system.

Things to Consider

Not every bank will offer checks for their checking accounts. For example, Chase offers checkless checking, so you may need to sign up for a new checking account as a last resort.

The Bottom Line

Hopefully, there were no surprises here. As we mentioned earlier, voiding a check is an easy process. All you need to do is get a blank check, write “VOID” on the front, and make a copy of it for reference.

We are not financial advisors. The content on this website and our YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research!

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