In a computerized accounting system, there is usually a menu option for voiding a check, since this is a sufficiently common activity to warrant having its own routine. Thus, if the payment had been for an expense, the credit would be to the related expense account; if the payment had been to acquire an asset, the credit would be to the related asset account. Write “VOID” across the front of the check with a blue or black permanent marker. Use large letters that fill up the entire check, or write “VOID” in smaller letters on the date, payee, amount, and signature lines. Voided checks may feel outdated, but they still play a role in setting up key financial services.

Even if you fill out a direct deposit form, some companies still require the physical check as backup. Voiding a check is a straightforward process that must be performed carefully. Using a pen with dark, permanent ink, write “VOID” in large, capital letters across the front of the check. The “VOID” marking should be prominent enough to cover the majority of the check, including the payee line, amount boxes, and signature line, making it clear the check is not for payment.

Common Reasons for Voiding a Check

Organizations frequently request a voided check to obtain accurate bank account details for electronic payment setups. Employers use the routing and account numbers to ensure paychecks are electronically transferred into an employee’s designated bank account, reducing processing costs and providing faster access to funds. Another frequent use is for initiating automatic bill payments, often referred to as ACH debits or direct debits. Companies such as utility providers, lenders, or insurance agencies may require a voided check to set up recurring withdrawals directly from your account. This ensures they have the correct banking details to automatically pull funds on scheduled dates.

To begin, select a blank check from your checkbook that has not been filled out or signed. Using a pen with blue or black permanent ink, clearly write the word “VOID” in large, capital letters across the entire front of the check. At Remitly, we know that managing finances in a new country comes with learning new financial terms and processes.

You can try the alternatives below if your account does not offer checks. Voided checks reveal crucial banking information that if not shredded or disposed off properly can serve as linchpin to more dangerous scams. When you void a check by writing the word ‘VOID’ across its front in capital letters, there is no chance it will be used accidentally. This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. On the other hand, a cancelled cheque is one your bank has processed, it’s been paid out or deposited and is now spent, finished, kaput. So, let’s talk about what a voided cheque is, why you might need one, and how to handle them safely – all in a conversational, easy-to-understand way.

• A voided check is a paper check intentionally invalidated by writing “VOID” across its face.
• One group of motives derive from errors or changes in the transaction.
• Companies offering services like utilities, loan repayments, or insurance premiums may require a voided check to automatically debit funds from your account.
• Voiding a check is a routine practice that renders it unusable for payment but preserves its informational value.
• If a mistake was made in voiding the check, a new check must be issued.

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The routing number, a nine-digit code identifying your bank or financial institution, is typically at the bottom left and directs funds to the correct bank during electronic transfers. If you’ve made an error or no longer wish to use a check that you’ve started voided check definition writing, simply write “VOID” across it as described above. However, remember to record this action in your check register to keep your financial records accurate. Many banks will issue a counter check upon request—this is a blank check tied to your account.

Reasons for Using a Voided Check

Some employers, landlords, and service providers still rely on checks—especially for setting up direct deposit or automatic withdrawals. For record-keeping, note the check number in your check register or personal records, along with the date and the reason for voiding it. If the voided check is not being submitted to a third party, proper disposal is essential to prevent fraud or identity theft. Shredding the check is the safest method, ensuring that the account and routing numbers are destroyed.

If you ever have to dispose of an old voided cheque, don’t just toss it in the bin! Shred it or tear it into small pieces to prevent anyone from fishing out your data. Don’t leave blank or voided cheques lying around – treat them as you would your wallet. There are a few common scenarios where you might be asked to provide a voided check. A voided check is a check written or partially written but then canceled or deleted by the maker of the check. You should not give anyone a blank check because they can fill it out and withdraw money from your account.

When Would I Need a Voided Cheque?

• Direct deposit authorization formYour employer or the company might provide their own form where you fill in your routing number, account number, account type (checking/savings), and bank name.
• The routing and account numbers are commonly listed near the top or bottom of these statements.
• However, it does contain sensitive details such as your account and routing number.
• Use a check from your current supply to ensure the most up-to-date account details.

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. If for direct deposit or automatic payments, submit it to the requesting party, such as your employer or a utility company. A voided check is a standard paper check intentionally invalidated by writing “VOID” across its face.

While we don’t feature every company, financial product, or offer available, the information, reviews, and tools you’ll find on Crediful are based on independent research. Understand its purpose for financial arrangements and proper record-keeping. Understand what a void check is, its essential role in financial processes, and how to properly use and secure one. The notation of “void” is used because checks are prenumbered for control purposes and every check needs to be accounted for. The word ‘VOID’ is written in capital letters, so it is not mistaken for cash use. When you void a check, you prevent the check from being used by anyone to withdraw money.

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In some cases, it’s the fastest way to verify your account and avoid delays. 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. You can use a voided check to schedule regular payments from your checking account.

When you void a check, you’re basically turning it into a reference tool. The word “VOID” clearly marks it as invalid for payment, but the printed details still provide everything needed to set up a direct deposit or automatic withdrawal. The routing number is a nine-digit code that identifies your financial institution, ensuring funds are directed to the correct bank.

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Lauren is a personal finance writer with over a decade of experience helping readers make informed money decisions. She holds a Bachelor’s degree in Japanese from Georgetown University. Compensation may influence how and where products appear, including their order in listing categories. For the past 52 years, Harold Averkamp (CPA, MBA) hasworked as an accounting supervisor, manager, consultant, university instructor, and innovator in teaching accounting online.

What if you don’t have a check to void?

The product offers that appear on this site are from companies from which this website receives compensation. Voided checks can also verify account ownership for electronic transfers, like linking bank accounts or setting up investment accounts. They’re a trusted way to confirm your details without exposing active checks. The offers that appear on this site are from companies that compensate us.