How to Void a Check and When to Use One?

But unless you’re voiding a filled-out check, make sure you don’t cover up the routing or account number on the check—those are important. Using paper checks can be risky, because of the sensitive banking information they contain, which could be dangerous in the wrong hands. Once you’ve voided a check, try to ensure it’s either disposed of or kept safely with other sensitive files.

The easiest way to void a check is to rip out the next check number from your checkbook, and then write “void” across the front in large letters. Or, you may choose to write “void” on all the important lines of the check, including the payee line and signature line.

How to void a blank check to set up direct deposit

If you’re tired of dealing with paper checks and keeping records, Wise can help you manage your money electronically. An NSF fee or non-sufficient funds fee is incurred when a bank account does not have enough money to cover a payment. A checking account is a highly liquid transaction account held at a financial institution that allows deposits and withdrawals.

Though many financial transactions are now paperless and most of us keep track of our finances using websites and apps, there are still many common reasons to use a physical check. Please see Rates and Terms to check the availability of online loans in your state. When you record void checks, make sure to include the reason you voided the check as well. You can easily void a paycheck or other payment through QuickBooks or other accounting software.

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Employers ask for a voided check when setting up your direct deposit because it provides all the information necessary to deposit money in your checking account. Once it has been appropriately voided, a check cannot be used.

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• You also can’t discard it because if someone were to get hold of it they could withdraw money from your account.
• If you don’t have a paper shredder, you can use scissors to cut up the check.
• If you don’t have a paper check, you can always go to your nearest bank branch and request a voided check.
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Examples include stealing checks, altering checks, writing checks for amounts you don’t have, or signing someone else’s name. If you keep a check register, make note of which checks you void. Each check is numbered to help you keep track of each transaction. Voided checks often contain other important details necessary for an ACH electronic transaction setup, such as your bank’s branch address and phone number.

Alternatives to a Voided Check

Ask your bank for a counter check, which is a check printed on demand by a branch. A voided check has the word « void » written across the front. It’s typically written in large letters so there’s no chance of it accidentally being used. You can open a Wise account and recieve money from around the world with local bank details. This is because it is an easy and convenient way for the employer to have access to your bank information without requiring you to make a money transfer.

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What Is a Voided Check?

This may include writing down the wrong amount or making it out to the wrong person. You can void a check for any incorrect information and then rewrite voided check it on a new check. The three main steps to voiding a check include using the correct writing implement, writing on the check and disposing of the check.

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• If you do not want to provide a voided check, you can ask your employer for alternate ways to confirm a bank account.
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• The committee discloses the voided check on the same line the check was originally reported, in this case, on Schedule B, supporting Line 17.
• You can also try to just get the check back if it was given to someone you know.

It will provide your account number so the bank can deposit the money into your account. It is possible for different banks to assign the same account number to different accounts.

Justin Pritchard, CFP, is a fee-only advisor and an expert on personal finance. He covers banking, loans, investing, mortgages, and more for The Balance. He has an MBA from the University of Colorado, and has worked for credit unions and large financial firms, in addition to writing about personal finance for more than two decades. https://www.bookstime.com/ 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 prefer the convenience that online banking provides, then check out Wise. Wise is a safe and easy way to send, receive and manage your money without any old-fashioned banks involved.