How to Void a Check for Direct Deposit or Payment

A voided check is a physical check that has been intentionally invalidated so it cannot be used for payment or withdrawal. It still contains important banking details, such as your routing and account numbers, but the “VOID” marking prevents it from being cashed or deposited. This process ensures that while your financial information is shared, the check itself remains secure and unusable for transactions.

Steps to Void a Check

To void a check, begin by selecting a fresh, unused check from your checkbook. Using a pen with blue or black permanent ink, write “VOID” in large, capital letters across the entire front of the check, ensuring it is prominent and covers most of the surface. Do not obscure the routing and account numbers located along the bottom edge. Avoid signing the check. If your checkbook includes duplicate carbon copies, make sure the “VOID” mark is clearly visible on the duplicate as well.

Common Reasons for Voiding a Check

One frequent reason for voiding a check is to set up direct deposit for your paycheck. Employers often require a voided check to accurately obtain your bank’s routing number and your specific account number, ensuring your earnings are deposited into the correct account. Similarly, a voided check can be used to establish automatic bill payments or loan repayments, allowing companies to automatically deduct funds from your account for recurring expenses. Voiding a check also serves as a safety measure if you make a mistake while writing it, such as an incorrect amount or payee name, preventing the accidental processing of an erroneous check.

Important Considerations After Voiding

After voiding a check, it is advisable to record the check number and the date in your check register or personal financial records. This notation helps you keep track of the check’s status and ensures your records remain accurate. If the voided check is needed by an employer or a financial institution, submit it to them as instructed. Consider making a photocopy of the voided check before submitting it, providing you with a personal record. If the voided check is not needed by a third party, or once its purpose has been served, it should be disposed of securely. Shredding the check is a recommended method to protect your banking information from potential identity theft.