How to Void a Check and When You Need To
Secure your finances by learning the correct way to void a check, understanding when it's necessary, and what to do afterwards.
A voided check is a paper check rendered invalid for payment by marking it “VOID.” This prevents anyone from cashing or depositing the check while still allowing the banking information, such as routing and account numbers, to be used. Voiding a check securely shares these account details without risking unauthorized financial transactions. It serves as a safeguard against misuse.
Common Reasons for Voiding a Check
Voiding checks serves various practical financial purposes. It is often required for setting up direct deposit for payroll, where employers need a voided check to accurately capture bank routing and account numbers for electronic fund transfers. Similarly, a voided check may be necessary when initiating automatic bill payments or loan repayments, providing the correct banking information for recurring debits. This helps ensure consistent fund transfers.
Voiding a check is also common when a mistake has been made while writing it, such as an incorrect amount, payee name, or date. Instead of discarding a check with an error, voiding it prevents accidental use and maintains clear financial records. This action signals that the check is no longer valid for its original purpose. Furthermore, voiding a check can serve as a security measure to prevent fraud if a blank check is lost or stolen, as it renders the check unusable for unauthorized transactions.
How to Void a Check Correctly
To void a check, select a blank, unused check from your checkbook. Use a pen with permanent blue or black ink to clearly mark it. Avoid using pencils or erasable ink, as these can be altered, compromising the check’s invalidation.
Write the word “VOID” in large, capital letters across the entire face of the check. Alternatively, you can write “VOID” in smaller letters across key sections, including the date line, payee line, amount box, amount line, and signature line. This makes it clear the check is no longer valid for payment.
Ensure the “VOID” markings do not obscure the routing number and account number at the bottom of the check. These numbers must remain legible to convey bank details. Never sign a check you intend to void, as a signature could create confusion or potential for misuse.
What to Do With a Voided Check
After voiding a check, record the action in your check register or financial tracking system. Note the check number, date, and reason for voiding. This helps maintain accurate financial records and aids in reconciling bank statements, preventing confusion about missing check numbers.
If the voided check is required for direct deposit or automatic payments, provide it to the requesting party. These entities use the voided check to verify routing and account numbers for accurate electronic transfers. Consider making a photocopy or digital image of the voided check for your personal records before submitting the original.
When a voided check is no longer needed, dispose of it securely to protect your financial information. Voided checks contain sensitive bank account and routing numbers, so shred them using a cross-cut shredder. If a shredder is unavailable, tear the check into small pieces, ensuring all identifiable information is destroyed before discarding.