How to Write a Void Check for Direct Deposit

A void check is a regular paper check intentionally invalidated by writing “VOID” across its face. This renders it unusable for payment or cash withdrawal. Its primary function is to serve as a document containing your bank account’s routing and account numbers without the risk of it being cashed or deposited. This ensures sensitive banking information can be shared securely.

Common Scenarios for a Void Check

Individuals often need a void check for several financial arrangements. A common reason is setting up direct deposit for paychecks, where employers require your bank details to transfer funds. Void checks are also frequently requested for establishing automatic bill payments, such as for utilities, mortgages, or insurance premiums, to ensure accurate recurring deductions.

Financial institutions or service providers may ask for a void check when linking external accounts or setting up various financial services. Providing a void check is preferred over simply listing account numbers because it offers a visual verification of information. This method helps prevent transcription errors and confirms the account’s validity, adding security and accuracy to the data exchange.

Preparing Your Check for Voiding

To void a check, select a blank check from your checkbook. This check should not have any previous writing, dates, or signatures on it. The purpose of using a blank check is to ensure that all pre-printed details, specifically the routing and account numbers, are clearly visible and unaltered. These numbers, located at the bottom of the check, are the information the voided check will provide.

The check will become unusable once voided. It is important to have a check from the account you intend to link, as the routing and account numbers are specific to that particular bank and account.

Step-by-Step: How to Void a Check

To void a check, select a permanent ink pen, preferably black or blue, for high visibility and resistance to fading. Using a pencil or erasable ink is not recommended, as it could compromise the check’s voided status.

Write the word “VOID” in large, capital letters across the entire front of the check. Ensure the writing is prominent enough to cover most of the check’s surface. You can also write “VOID” across specific lines such as the payee line, the amount line, and the signature line to further prevent any attempt to fill out or cash the check.

Ensure the routing and account numbers remain visible and unobstructed by the “VOID” marking. Under no circumstances should you sign the voided check, as a signature could create confusion or potentially lead to unauthorized use.

After Voiding: What to Do Next

After voiding the check, make a copy for your records before submitting it. This copy serves as proof of the voided check and retains the account information for future reference. Digital copies, such as a clear photo or scan, are also acceptable.

Record the voided check’s number in your checkbook register. This helps track all checks and notes why that particular check number was not used for payment. Once the voided check has served its purpose, securely store it or dispose of it. Shredding is a recommended disposal method to protect your sensitive banking information from unauthorized access.