Can I Just Write ‘Void’ on a Check?

When a check is rendered unusable for payment, it is referred to as “voiding” it. This action effectively cancels the check, ensuring it cannot be cashed or deposited by anyone. Voiding a check is a common practice, often necessary when providing bank account information without intending to make a payment. It serves as a secure method to share banking details, such as for setting up recurring electronic transactions.

Common Reasons for Voiding a Check

Voiding a check is often a requirement for setting up electronic transfers, such as direct deposit for payroll. Employers typically request a voided check to obtain your accurate bank account and routing numbers. This ensures that your paychecks are electronically deposited into the correct account. Similarly, many utility companies or service providers may ask for a voided check to establish automatic bill payments.

This process allows them to securely access your banking details without authorizing a one-time payment from the check itself. Another common scenario for voiding a check arises when an error is made while writing it out. If a mistake occurs on the payee line, amount, or signature, voiding the check prevents it from being improperly used. This ensures financial security and helps maintain accurate financial records.

Steps to Correctly Void a Check

To correctly void a check, begin by using a pen with permanent ink, such as blue or black. Write the word “VOID” in large, clear letters across the front of the check. It is important to write “VOID” over key areas to prevent any attempt at cashing it. These areas include the payee line, the amount box, the signature line, and the date line.

Extend the “VOID” marking across the magnetic ink character recognition (MICR) line at the bottom. This line contains your bank’s routing number and your account number. Ensure these numbers on the MICR line remain legible if the check is intended for providing this information to a third party.

What to Do With a Voided Check

After correctly voiding a check, its next steps depend on the original purpose. If the check was voided to set up direct deposit or automatic payments, it should be submitted to the requesting party, such as your employer or a utility company. They will use the legible account and routing numbers from the voided check to configure your electronic transactions.

Keep a record of all voided checks for your personal financial files. Note the voided check number in your check register or make a copy for your records. This practice helps in reconciling your bank statements and maintaining an accurate financial history. If a voided check is not being submitted to a third party, securely dispose of it, such as by shredding. This prevents any potential misuse of your banking information.