What Is a Void Check? A Complete Guide to Voiding Checks

The simple answer to “What is a void check?” is that it’s simply your unused paper check with the word “VOID” written on it. However, it still shows your account and routing numbers and other bank information.

You need to know what it means because voided checks are necessary in many situations. For example, when you start a new job, set up direct deposits or bill payments. You may need to submit pay stubs along with voided checks in some cases. If you don’t have any available, you can make your pay stub with a paystub generator.

This guide will take you through “What is a void check?”, how to void a check and give you alternatives to voided checks if you don’t have one.

What Is a Void Check?

The answer to “What is a void check?” is that it’s a blank check with “VOID” written across the front. When you void a check, you are creating a document that shows your banking information. Nobody can cash it as a check, but the bank account information is sensitive information. So, it can still be used for electronic withdrawals.

These voided checks are the ones you submit to employers and banks when they need to verify your account information. Usually, this comes up when setting up things such as direct deposit and electronic payment.

Also Read: 7 Common Employment Contracts You Might Be Offered

Voided Check Meaning and Why They Are Important

You may have noticed that banks, employers and service providers ask for voided checks. Knowing “What is a void check?” explains why they’re required. It is because they reduce errors when setting up direct deposit or recurring payments. Without them, you’ll usually have to fill out a form to provide your banking information. If you make a mistake filling out such a form, it can cause problems. 

A voided check gives the employer and banks the correct information at a glance. Even though it may get into the wrong hands, it cannot be cashed as a check or deposited since VOID is written on it. However, you should still handle it carefully. With the information on it, someone can still make unauthorized ACH withdrawals. This is why you should understand “What is a void check?” and how to handle it.

Further Reading: Gross Pay vs Net Pay Comparison To Help You Understand Your Earnings

How To Void a Check Properly

Now that you know “What is a void check?”, here are the steps to follow to void a check properly:

1. Get a Blank Check

Take a clean check that has not been filled out and signed yet. Just take one right out of your checkbook. Double-check that you haven’t already filled or signed it.

2. Use Permanent Ink

Get a pen that has permanent ink, whether a blue or black pen. Do not use a pencil or a pen that has erasable ink, even if it’s blue or black ink. This is because someone might be able to erase or alter it. 

3. Write "VOID" in Large Letters

Write the word VOID in large letters across the face of the check. Ensure that it is clear and takes up most of the space in the front of the check. You can also write VOID in smaller letters on the date line, payment line and signature line. 

4. Keep Account Information Visible

When you are writing VOID on the check, do not cover the routing and account numbers at the bottom. The numbers have to remain clear to make sure the check can do its job. Whether that’s to set up direct deposit or automatic bill payment.

5. Record the Check Number

Note the check number of the check you voided in your check register. This is for record-keeping purposes in case you need it for future reference. Then, keep it somewhere safe until you need to submit it.

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When Do You Need a Voided Check?

Once you know what a voided check is, you should know when to use it. Some of the situations in which you need them are:

Setting Up Direct Deposit

When you get a new job, one of the options to receive your paycheck is direct deposit. If you choose this, some employers will ask you for a check that has been voided to set it up. You can submit that, and a direct deposit authorization form. This will enable them to deposit your salary directly into your bank account without writing any checks.

Arranging Automatic Bill Payments

You probably use service providers like utility companies or insurance providers. When you want to pay such bills, you may need to set up automatic payments. And they may ask you to submit a voided check.

This allows them to withdraw the money from your bank account when the bill is due. It ensures that your bills are paid on time and saves you from paying late fees.

Linking Bank Accounts

In some cases, you may want to open a bank account online or link a checking account to a savings account. To do this, the bank may request that you provide a voided check to verify your bank account information. This prevents errors and ensures the money goes to the right account.

Electronic Payments and ACH Transfers

Some individuals and businesses may need to send you money or pay you electronically. To do this through the banking system, they may need your routing and account numbers. A voided check gives them that information easily. However, they may still need additional verification. 

Read More: Why Choose Pay Stubs vs Bank Statements for Financial Proof?

What If You Don't Have Any Paper Checks?

Here are some alternatives to voided paper checks that work just fine: 

Blank Check From Your Bank

Go to your bank or credit union and ask the teller for a counter check or a temporary check. They are essentially blank bank checks that they give you on the spot. Then, you can void the check the proper way.

Some banks even send new account holders starter checks or blank checks free of charge. If you just opened an account, check whether your bank does this. 

Deposit Slip With Pre-Printed Information

Just like checks, your account and routing numbers may already be written on your deposit slips. Your company or service provider may accept deposit slips if you don’t have checks. You can reach out to them to confirm if they accept deposit slips.

Direct Deposit Authorization Form

Your employer or the organization that needs your banking information may have a direct deposit form. You can fill this out and submit. This type of form usually has spaces where you can write your bank’s routing number, account number and account type.

Online Banking Portal

Log in to your online banking account to retrieve your routing number and bank account number. Most banks allow you to download or print a document that shows the information. Some companies will accept this in place of a voided check.

Letter From Your Bank

You can also request a letter from your bank that confirms your bank details. This will be on the official bank letterhead. In many cases, that letter may serve as a substitute for a voided check.

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Wrap Up

Understanding “What is a void check?” can make you feel confident when you’re in common financial situations. You may be starting a new job and need to set up direct deposit. Or you want to automate your bill payments or link a checking account to a savings account. In all cases, a check voided the proper way is a secure way to share your banking information. Now that you know what a voided check is and how to void a check, you’re good to go. Always remember to keep your financial information safe.

Just like voided checks, you need pay stubs for many financial situations. If you need a quick and easy way to create paystubs, our tool is for you. Our online paycheck stub generator can help you generate pay stubs in minutes. Check it out today to simplify your financial transactions.