How to Make a Voided Check for Direct Deposit
Quickly learn how to void a check, a key step for secure direct deposit and other financial arrangements requiring bank account data.
A voided check provides essential bank account information without enabling monetary transactions. It is a common requirement for various financial tasks.
Understanding a Voided Check
A voided check is a personal check that has been intentionally marked to prevent it from being used for payment, while still displaying all the necessary banking information. This includes the bank name, the account holder’s name and address, the bank’s routing number, and the individual account number. The routing number, typically a nine-digit code, identifies the financial institution, and the account number points to your specific deposit account.
This type of check is frequently requested when setting up direct deposit for payroll, initiating automatic bill payments, or linking external financial accounts. The purpose is to ensure the correct bank account details are captured, minimizing errors in electronic fund transfers.
Steps to Void a Check
To void a check, select a blank, unused check from your checkbook. Use a pen with dark ink, such as blue or black, to ensure the marking is clear and permanent.
Write the word “VOID” in large, clear letters across the front of the check. It is effective to write “VOID” multiple times, covering the payee line, the amount boxes, and the signature line to fully invalidate the check. This action renders the check unusable for financial transactions, yet allows all the pre-printed account and routing numbers to remain easily legible. Avoid tearing the check, folding it excessively, or signing it, as these actions could obscure the necessary information or raise questions about its authenticity.
What to Do After Voiding a Check
Once the check has been properly voided, the next step involves submitting it to the requesting entity. Common submission methods include making a clear photocopy or scanning the voided check for digital submission through an online portal or email. In other cases, the original voided check may need to be mailed or provided in person.
It is advisable to retain a copy of the voided check for your personal records, especially when setting up recurring payments or direct deposits. Always exercise caution when providing banking information, even with a voided check, and ensure you are only submitting it to trusted organizations. Although voided, the check still contains sensitive account details that should be protected.