How to Write a Void Check for Direct Deposit
Ensure seamless and secure direct deposit setup. This guide explains how to properly void a check to share banking details, plus alternative methods.
A voided check is a common and secure method for providing banking information, particularly when setting up direct deposit. It ensures that employers, financial institutions, or other entities can accurately route funds to your account without the check being used for payment, allowing for the reliable transfer of wages or other recurring payments directly into your designated bank account.
What is a Voided Check and Why It’s Needed
A voided check is a standard paper check rendered invalid for financial transactions by writing “VOID” across its face. While it cannot be used to withdraw money or make payments, it still displays essential banking details. This practice is widely adopted for direct deposit setups as it provides a secure way to share your bank’s routing and account numbers. Voiding prevents unauthorized use, such as fraudulent withdrawals, and confirms the accuracy of your banking information. This minimizes errors in setting up electronic fund transfers, ensuring payments reach the correct destination.
How to Void a Check
To void a check, select a blank check from your checkbook. Using a dark pen, such as blue or black ink, write “VOID” in large, clear letters across the entire front of the check. The writing should be prominent enough to be easily seen, making it unmistakably invalid for payment. Ensure it does not obscure the routing and account numbers located at the bottom of the check.
For added security and clarity, you can write “VOID” multiple times across different sections of the check, such as the payee line, amount box, and signature line. Do not sign the check or fill in any other details beyond the “VOID” marking. After voiding, make a copy of the check for your personal records before submitting the original.
Information Provided by a Voided Check
A voided check primarily conveys two pieces of banking information: the bank’s routing number and your individual account number. These numbers are found on the Magnetic Ink Character Recognition (MICR) line at the bottom of the check. The routing number, the first nine digits on the left, identifies your financial institution. Your account number follows the routing number, though its exact position can vary slightly depending on the check’s design. While a voided check also displays the check number, this number is generally not required for setting up direct deposits.
Alternatives to a Voided Check
When a physical check is unavailable, several alternatives exist for providing your banking information for direct deposit. Many banks offer a direct deposit form, accessible through online banking portals or at a local branch. These forms contain all necessary routing and account numbers. Your routing and account numbers can also be found by logging into your online banking account, typically under account details or direct deposit information.
Contacting your bank directly via phone or in person is another reliable method to obtain this information after verifying your identity. A bank statement also lists these details, but exercise caution regarding privacy if sharing a full statement.