What Is a Voided Check and How Do You Get One?

A voided check is just a paper check with the word “VOID” written in large letters across the front. Writing “VOID” on a check makes it unusable for payment or withdrawal, so no one can use it to access your checking account.

Even though a voided check can’t be cashed, it still displays your bank account number and routing number. That’s why employers request one – it’s a simple way to confirm your banking details when setting up direct deposit.

Why do you need a voided check?

There are several common reasons you may need to void a check. Here are the most common reasons:

• Direct deposit setup: When you set up direct deposit, your employer can use a voided check to verify your bank account information.
• Automatic payment setup: Some autopay methods require a voided check tied to your bank account.
• ACH transfers: Businesses often use Automated Clearing House, or ACH, transfers for vendor payments and may require a voided check.
• Account verification: You may need a voided check when renting a new apartment, signing up for a financial app, or linking accounts at different financial institutions.
• Correcting mistakes: If you wrote the wrong amount, addressed a check to the wrong person, or dated it incorrectly, voiding it prevents anyone from using it.

Voiding a check takes less than a minute. All you need is a pen and a blank check. Here’s how to do it, step by step.

1. Find a blue or black pen with permanent ink. Voiding a check with pencil or another color ink is generally not acceptable.
2. Write “VOID” on the front of the check in large letters. This lets anyone handling the check clearly know that it’s not valid for cashing.
3. Leave the signature line blank to avoid confusion or misuse. Accidentally signing the check leaves it open for potential fraud.
4. Save a copy of the voided check. You may need to show it or resubmit it, so it’s best to keep it in hand.
5. Record the voided check in your register. List the check number and that you voided it, so you can refer back to it as needed.

A voided check looks like a regular check with “VOID” written in large letters across the front. Your name, bank name, routing number, and account number remain visible.

Here’s what to look for on a voided check:

• “VOID” in large letters across the center of the check
• No signature on the signature line
• Routing number – nine digits at the bottom left
• Account number – the next set of digits after the routing number

As long as “VOID” is clearly written and the check isn’t signed, you’re good to go.

Paper checks are becoming less common, and many financial institutions no longer provide checkbooks. If you don’t have paper checks, here are a few alternatives:

• Ask your bank for a starter check. If your bank has a physical branch, you can request a starter or counter check from a teller.
• Request a direct deposit form. Some employers have a form that lets you enter your bank account and routing numbers instead of providing a voided check.
• Download an ACH letter. Your bank may offer an ACH form pre-filled with your account information that you can download and give to your employer.
• Print a check from your online banking portal. Some banks let you print a voided check from their website.
• Deposit slip: If your bank offers deposit slips, these contain your routing and account numbers. Check if your employer will accept one.
• Online banking portal: Many banks and service providers let you enter your routing and account numbers directly through a secure online portal, eliminating the need for a paper check.

A voided check can’t be used to withdraw money from your account, but it still contains sensitive information. Here’s how to keep your account safe:

• Only share voided checks with trusted parties
• Send voided checks through secure channels
• Store or shred the original voided check

How to dispose of a voided check

A voided check still contains your bank account and routing numbers, so it’s important to dispose of it securely.

Shred it using a cross-cut shredder so your account information can’t be reconstructed. If you don’t have a shredder, tear the check into very small pieces – especially around the routing and account numbers – and throw them away separately. Taking this step can help prevent identity theft.

Knowing what to avoid can help you void a check correctly the first time:

• Writing too small or light: Write “VOID” in large, bold letters so it’s clearly visible.
• Using pencil or erasable ink: Always use permanent ink to prevent tampering.
• Writing over the routing and account numbers: Keep these numbers visible so your employer can read them.
• Signing the check: Don’t sign or endorse a voided check – it’s not needed and can cause confusion.
• Failing to record it: Note the voided check in your register to keep your records accurate.
• Mailing the only copy: Keep the original and send only copies for added security.
• Improper disposal: Shred voided checks when you no longer need them – the same way you’d handle a mobile check deposit once it clears.

Now that you know how to void a check, you can use it to set up direct deposit with your employer. Direct deposit sends your paycheck straight into your bank account – no waiting for a paper check to clear.

Learn more about how to write checks and other banking basics.