How Do You Change Something Written on a Check?

Accurate check writing is important for financial transactions, as checks are formal financial instruments. Errors or improper handling can lead to a check’s rejection by a bank or raise security concerns. Knowing how to correctly address mistakes on a check maintains its validity and ensures smooth financial operations, preventing payment delays and potential bank account issues.

Identifying Common Check Writing Errors

Mistakes on checks often occur in several common areas, leading to processing issues. An incorrect date, such as a future date (post-dated) or an expired date (stale-dated), can cause a bank to refuse a check. Checks are generally valid for a limited time, often 90 days.

A misspelled payee name or an amount written in numbers that does not match the amount written in words are frequent errors that can invalidate a check. Issues with the signature, such as a missing signature or one that does not match the bank’s records, also render a check invalid.

Correcting Mistakes on a Check

When a minor error occurs on a check, such as a misspelled payee name or an incorrect date, a correction can be made directly on the check. To correct the information, draw a single, neat line through the incorrect entry. Avoid obscuring the original error or using correction fluid or tape, as this can lead to bank refusal. After drawing a single line through the mistake, write the correct information clearly and legibly either above or next to the crossed-out text.

Once the correction is made, the check writer must initial the change. This initialing acknowledges the alteration was made by the authorized account holder, preventing fraudulent modifications. Use a permanent blue or black ink pen for all entries, including corrections, to ensure clarity and prevent easy alteration. While minor errors like a misspelled name or incorrect date may be correctable, mistakes in the numerical or written amount sections often require voiding the check and issuing a new one due to the higher fraud risk.

Voiding a Check Instead of Correcting

Voiding a check is appropriate when correction is not advisable or possible. If a check contains multiple errors, significant mistakes difficult to correct cleanly, or if it is torn or damaged, voiding it is the most secure option. A check accidentally pre-signed without other information filled in should also be voided to prevent misuse. Voiding a check renders it unusable for transactions but allows the account and routing numbers to remain visible.

To void a check, write “VOID” in large, clear letters across the face of the check. Ensure “VOID” covers key areas like the amount box, payee line, and signature line, while allowing routing and account numbers at the bottom to remain legible. This action clearly marks the check as invalid, preventing fraudulent cashing or depositing. After voiding, record the voided check’s number in your check register or financial records for accurate accountkeeping. Securely disposing of voided checks is advised to protect sensitive banking information.