On a Voided Check, Which Is the Routing Number?
Uncover the essential financial data on your checks and understand its purpose for seamless direct deposits, payments, and account setup.
A voided check is a standard paper check that has been marked “VOID” across its front, typically in large, clear letters. This marking renders the check unusable for financial transactions, meaning it cannot be cashed or deposited. Its primary function is to serve as a document containing your banking information without the risk of unauthorized use. Companies and organizations frequently request a voided check when setting up electronic transfers, such as direct deposit for payroll or automatic bill payments, to ensure they have accurate account details.
Identifying the Routing Number
The routing number, also known as an ABA routing number, is a nine-digit code that identifies your specific financial institution within the banking system. It is the first set of numbers located on the far left at the bottom of a standard check. This number is printed using magnetic ink character recognition (MICR) font, making it easily readable by automated systems.
Imagine the bottom of your check as having three distinct groups of numbers. Financial institutions use this number to direct funds to the correct bank during electronic transactions, functioning much like a postal code for your bank. This helps distinguish it from other numbers on the check.
Other Key Numbers on a Check
Beyond the routing number, a check also displays two other important sets of numbers on the MICR line. Immediately following the routing number is your bank account number. This number uniquely identifies your specific checking or savings account at your financial institution. Account numbers can vary in length.
The third set of numbers on the MICR line is the check number. This number also appears in the upper right-hand corner of the check. The check number helps you track individual checks for your personal record-keeping and reconciliation of your bank statements.
Why a Voided Check is Needed
A voided check is requested for various financial setups, particularly for direct deposit of payroll. When starting a new job, employers require a voided check to ensure your salary is deposited accurately and directly into your bank account. This method provides the payroll department with verified account and routing numbers, reducing the chance of errors that could delay payments.
The voided check also serves as verification that the account exists and belongs to you. Organizations prefer a voided check over simply receiving the numbers written down because it minimizes data entry mistakes. Many modern payroll systems can even scan the MICR line from a voided check, further automating the process and enhancing accuracy. This verification is also important for setting up automatic bill payments and for receiving direct deposits of government benefits.