How to Void a Check: 8 Steps with Pictures

How to Void a Check: 8 Steps with Pictures

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This is the case when you have to account for every check number in the series of printed checks. So a voided check is accounted for by marking it ‘void’ and replacing it with another check. But there is more to it if you want to safeguard your account. It’s a check that’s not supposed to be used to make a payment. Instead, you’d give it to a business or person so they can get your bank account info .


As of 2013, all Social Security benefits are paid to beneficiaries via direct deposit. By switching to a direct deposit system, the Social Security Administration estimated a savings of $120 million per year, adding up to $1 billion in savings to taxpayers over the past decade. In addition to payroll, direct deposit can also be used for the following purposes.

Uses and Benefits of Direct Deposit

These numbers are usually found at the bottom of the cheque. It’s worth taking the necessary steps to set up direct deposit because it can save you a lot of time. Another benefit is that many banks charge maintenance fees that can be waived if you set up direct deposit.

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Check out these two apps that can help you get your direct deposits faster and without providing voided checks. A voided check is a common requirement for setting up direct deposit. To void a check, you will take an unused check for the account into which you would like your money to be deposited.

What is a voided check?

A voided check cannot be filled in, cashed, or deposited. Next, use the blue or black pen to write “VOID” in large capital letters across the front of the check, ensuring you cover all of the information boxes. Another viable voiding method is to write “VOID” in smaller letters on the date line, amount line, payee line, and signature line, as well as in the amount box. If you don’t have any checks, and you want to set up a direct deposit or automatic electronic payment, there are other ways to do so.

  • If you make a mistake (wrong person’s name, wrong date, or wrong amount), you shouldn’t cross out on the paper check.
  • Writing “Void” across it prevents someone from using the check to falsely extract money from the person’s checking account.
  • It provides you with added protection if you need to give someone a check for the purposes of setting up direct deposit or to make a direct payment from your account.
  • Routing numbers are used to identify financial institutions and have been in use for a century.

Yet another use for a voided check is when a lender wants to use it to set up an automated loan payment. As was the case with direct deposit, the lender will want to use the bank account information listed on the bottom line of the check. Employers often use voided checks to set up direct deposits for their payroll, and service providers may need them to set up direct debits.

How to void a cheque

We’ll break down the simple instructions for voiding a check properly in a moment. Whether you’re filling out a check for the first time or first time in a while, you might have questions. The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy. You don’t need to sign the check or enter any other information. Ebony Howard is a certified public accountant and a QuickBooks ProAdvisor tax expert.

  • You may have received a check register that came with your checks, or track electronically with your bank’s online banking or mobile app.
  • You can name yourself on the check and use it to move money from one bank account to another.
  • Upon receiving the ACH instructions, the employees’ banks then process the payment and credit the employees’ accounts with the necessary funds.
  • Otherwise, it could be possible for someone impersonating your identity to apply for a payments account using your information but connect their bank account to receive payments.

Automated payments are much more convenient than paper checks. Even with mobile check deposit technology’s making a trip to the bank unnecessary for deposits, you are still stuck waiting for your paper check to arrive before you can put it in your account. In addition, a deposited paper check may need extra time before it clears your account.

Step 3: Make a Copy of the Voided Check

It means that the check can no longer be used after it has been cashed or deposited. This is the information that today’s electronic banking services need to set up an electronic transfer between two different entities. This can be because you are looking to make an ACH or Wire payment to someone’s account or to receive an ACH or wire into your bank account.


It has been common practice among traditional banks to take one to two days to release direct deposit funds to the customer. However, the sooner the money is in your account, the sooner it can be earning interest or be put to immediate use. Direct deposit does not have any of these potential safety issues.

What Can I Use Instead of a Voided Check?

In a pinch, you might be able to provide a copy of a recent account statement. It will include your account number and the name of your bank. You can provide the routing number to your employer who can check it to confirm that it matches the name of the bank on the statement. If someone gets your checkbook, they may try to write checks against your account.


You have all the information available on how to use our services on our website. You can ask your bank to draw you up a “counter check”, a special type of check that can be officially voided by the bank but still includes your important account information. You might also ask the business or organization requesting a voided check if they would accept a deposit slip that has been voided as well. Setting up direct deposit for your paychecks (or for one-off payments, if you are a freelancer for example) is incredibly simple with the help of a check that has been voided out.

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Find out what stands for, what it can be used for, and the pros and cons of ACH transfer. Signing up is free and easy, and you can wave goodbye to those checks. The only way to give yourself peace of mind is to void the check and then throw it out or shred it. Once you’ve voided a check, it’s essentially disabled and cannot be used any longer. From there, grab a permanent marker and write in big, bold, clear print with plenty of spacing to cover the entire face of the check the word V O I D. But first, let’s touch on the reasons why you might need to void a check.

Your bookkeeping deposited funds will be available immediately. A voided check is a lot more than a piece of paper with the word ‘VOID’ written across the front. The check’s information gives the recipient information necessary to set up direct deposit or direct debit in your bank account. Be careful who has your canceled checks and know how to use them wisely. If you don’t have access to online banking, or just want to deal with a real person, phone up your bank directly.

If this happens, the first thing to do is to notify your payroll department. Your company will place the voided check in your file so that it can be referenced in the future if necessary. Account numbers identify specific accounts at a financial institution. You will need a US bank account and a continental US business address in order to apply for/use PantherPayments. Get your bank account information with the official bank letterhead.

Then, you can send the remaining $200 to your savings account. You don’t have to think about the extra money or manually move it to the account. If for whatever reason, you cannot or do not want to provide a voided check, you still have options. That’s why many employers are strict about requiring a voided check.

If you’re here, you’re probably wondering how to write a void check. Take a physical check and get a black or blue pen — you’d want to use a pen so that the text can’t be erased. You then need to write the word “VOID” in all capital letters across the check. In the summer, we received another notice that $330 was owed.

The most common use for a voided check is to establish a direct deposit¹. If you’re going to receive payments from an employer electronically, you can send them a voided check, so they have all of your bank information. A voided check is one of the important concepts in the bank account structure. A person can void the check by simply writing the word ‘void’ across the front page of the check.

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