How to Write a Voided Check for Account Verification

A voided check serves as a tool for verifying bank account and routing numbers without enabling a financial transaction. It is a paper check with the word “VOID” written across its face, making it unusable for payment. Its purpose is to securely provide bank details to a third party for administrative processes.

Common Situations Requiring a Voided Check

Businesses frequently request voided checks when setting up direct deposit for employee payroll, ensuring accurate transfer of wages directly into an individual’s bank account. Similarly, service providers often ask for a voided check to establish automatic bill payments for recurring expenses like utilities, rent, or loan installments.

The Process of Voiding a Check

To void a check, obtain a blank personal check. Use a pen with dark, permanent ink to ensure legibility and prevent smudging. Write the word “VOID” clearly across the check.

Ensure that “VOID” covers the sensitive areas of the check, including the payee line, the numerical and written amount boxes, and the signature line. This action makes the check unusable for any financial transaction while still allowing the bank account and routing numbers at the bottom to remain visible. Properly voiding a check prevents any unauthorized party from attempting to fill in the details and cash it.

What to Do After Voiding

After voiding, submit the check to the requesting party. This submission can occur by physically handing over the check, mailing it through postal services, or scanning a clear image of it for electronic submission via email, if permitted. Always confirm the preferred submission method with the requesting entity. Retain a copy or photograph for your records as proof of submission and for reference.

Essential Tips for Voiding Checks

Always use a blank check that has not been previously written on or used for any transaction. It is important not to sign the check when voiding it, as a signature could potentially create confusion or unintended implications. Verify that both the account number and the routing number at the bottom of the check remain clearly visible and legible after you write “VOID.” These numbers are the primary information the requesting party needs. Additionally, avoid using a check from an account you anticipate closing in the near future to prevent issues with future automatic payments or deposits.