How to Get a Voided Check From Your Bank
Discover the straightforward ways to get the bank information you need for direct deposit and bill payments, including alternatives when a check isn't an option.
A voided check is used to securely share bank account details without enabling financial transactions. Businesses and other entities often require a voided check when setting up direct deposit for payroll, automatic bill payments, or other recurring electronic fund transfers.
Understanding Voided Checks
A voided check is a personal check that has been intentionally rendered unusable for payment, yet it still contains crucial banking information. The primary purpose of voiding a check is to securely provide your bank’s routing number and your individual account number to a third party. This process ensures that while the check cannot be cashed or deposited, the necessary numerical details are accurately conveyed.
The key information visible on a voided check includes the nine-digit routing number, which identifies your financial institution, and your unique account number. The word “VOID” is written across the face of the check in large, clear letters to prevent any fraudulent use or unauthorized transactions. This facilitates the secure exchange of banking coordinates required for electronic transactions like direct deposits or automated clearing house (ACH) transfers.
Methods to Obtain a Voided Check
Obtaining a voided check can be done through a few different methods. One common approach involves voiding a personal check from your own checkbook. To do this, take a blank check and use a pen to write “VOID” across the entire front of it, ensuring the word is large and clear. It is important not to sign the check and to avoid obscuring the routing and account numbers located at the bottom.
If you do not have physical checks, you can request a voided check directly from your bank. Visiting a bank branch in person is an option, where a teller can often provide a pre-printed voided check or a document for direct deposit setup. Remember to bring a valid form of identification for this in-person request. Many banks also offer digital solutions through their online banking portals or mobile applications, allowing you to print a voided check image or a document containing your account and routing numbers.
When a Voided Check Is Not Available
There are situations where obtaining a voided check may not be feasible, such as when you do not have a checkbook or need an alternative form of account verification. In such cases, your bank can provide an official bank letter, also known as an account verification or bank confirmation letter. This letter, printed on bank letterhead and signed by a bank representative, formally confirms your account and routing numbers, serving the same purpose as a voided check for many institutions. You can request this letter by visiting a branch, calling customer service, or through your bank’s online platform.
Many employers or payment recipients offer direct deposit forms that require you to manually enter your account and routing numbers. These numbers can be found on your bank statements, within your online banking account details, or by contacting your bank directly. While providing the numbers may be sufficient, always verify the legitimacy of the requesting party before sharing sensitive banking information.