How to Void a Check: What to Write and Why

A voided check is a paper check marked to prevent its use for payment or cash withdrawal. It invalidates the check for financial transactions while still allowing the banking information, such as account and routing numbers, to be used for specific purposes. This ensures sensitive account details can be shared safely without the risk of unauthorized funds transfer.

Steps to Void a Check

To void a check, select an unused check. Use a pen with dark ink to write “VOID” prominently across the front. Ensure the word is large enough to cover areas like the payee name and amount. Write “VOID” multiple times across the check, including the date line, payee line, amount box, and signature line.

Avoid writing over the routing and account numbers. These numbers must remain clear and legible, as they are often requested. If the check has a carbon copy, ensure the “VOID” marking transfers to it. Do not tear or deface the check beyond marking it, especially if it needs to be submitted to another party.

Common Reasons for Voiding a Check

Voiding a check is often required for setting up direct deposit to route paychecks to your bank account. The voided check provides the routing and account numbers, minimizing setup errors. It is also often necessary for automatic bill payments or direct debits, such as for utilities, loan repayments, or insurance premiums.

Another reason to void a check is to correct an error, such as an incorrect payee name or amount. Instead of discarding a mistaken check, voiding it prevents misuse and allows you to write a new check. This also helps maintain organized financial records by accounting for every check in your register.

What to Do After Voiding a Check

After voiding a check, its handling depends on its purpose. If for direct deposit or automatic payments, submit it to the requesting party, such as your employer or a utility company. This provides them with bank details for electronic transactions.

If voided due to an error or for personal record-keeping, record the check number in your check register to maintain accurate financial records. For security, store the voided check in a secure location, or shred it to prevent sensitive account information from falling into the wrong hands. This helps protect against fraud since the routing and account numbers remain visible.