How to Void a Check

Key insights:

• A voided check is a convenient way to share your bank account information while preventing others from using it for payment
• Common reasons to void a check include setting up direct deposits and automating bill payments
• Writing a voided check is simple, but it requires care to protect your banking details

Even with the rise of digital banking, paper checks are still useful. For instance, if you opt for direct deposit at a new job, your employer may ask for a voided check to set it up. A voided check can be a quick way to provide your banking details without allowing someone to cash it.

That said, it’s important to know how to properly void a check to avoid mishandling and financial fraud. Read on to learn the steps to writing a voided check and when you may need one.

What is a voided check?

A voided check is simply a paper check with the word ”VOID” written across the front. Using this word indicates that the check isn’t valid for payment; it’s only for verification purposes. The check still displays your bank routing and account numbers, which identify your specific financial institution and checking account.

With a voided check, you can quickly share your banking details for payments and transactions, while ensuring no one can accidentally or intentionally write an amount and cash it.

Reasons to void a check

You might need to provide a voided check in a few common situations where an organization needs your banking details.

Receiving direct deposit

If you choose direct deposit as a payment option at a new job, your employer may ask for a voided check to set it up. The check provides the payroll department with your exact name and bank account information, helping ensure your earnings are deposited into the correct account.

Setting up or receiving recurring payments

Many lenders and service providers allow you to set up automatic bill payments. To do so, some may request a voided check to verify your banking information. Voided checks can also help if you’re receiving recurring payments. For instance, if you’re a landlord, your tenants can use your voided check to confirm your banking details with their institution.

Canceling a check with an error

If you make a mistake while writing a check, such as a misspelling or an incorrect amount, you can immediately write ”VOID” on it to confirm it was an error. If you’re in front of the recipient, voiding the check in the moment can also serve as proof of the mistake.

How to write a voided check

Voiding a check is very simple and straightforward. You can do so with the following steps:

1. Use a dark-ink pen: A dark color ensures what you write isn’t erased or easily altered. Using blue or black pen rather than a lighter color can help the letters appear visible and clear.
2. Write ”VOID” in large, capital letters: Make the word visible across the front of the check. It should cover the payee and amount lines, but not the account and routing numbers.
3. Leave the check unsigned: This prevents anyone from processing it. An unsigned check signals to a bank teller or another recipient that it isn’t authorized for use.
4. Note the void check for your records: Indicate it was removed to avoid confusion later. For instance, recording a voided check number can explain why that specific check is missing from your checkbook.
5. Make a copy of the voided check: The copy can serve as a backup before you hand it over. This can be helpful if your checkbook doesn’t have a duplicate slip to verify the information at a later date.

How to dispose of a voided check

Protecting your financial information is still a top priority when handling paper checks. If you no longer need the voided check, disposing of it properly can help avoid identity theft.

Shredding is the most effective way to destroy a voided check. If you don’t have a paper shredder, another option is to tear up the check by hand. The goal is to ensure your banking and personal details are unreadable. Leaving an intact check in the trash can expose your routing and account numbers to unauthorized parties, such as scammers.

Manage your banking needs with Citi

Voided checks may be helpful in a variety of circumstances. Whether you’re setting up direct deposit or correcting a mistake on a check, knowing how to void a check can be valuable.

From ordering checkbooks to mobile check deposits, Citi offers a range of banking solutions to help you manage your money effectively. Explore Citi checking accounts to find the right fit for you.

Voided check FAQs

What can I use if I don’t have a voided check for direct deposit?

If you don’t have a paper checkbook, you can ask your bank for an official direct deposit authorization form. You could also request an official letter from your bank that includes your routing and account numbers to give to your employer.

Can I get a voided check online?

As an alternative to ordering a checkbook, some banks allow you to access a voided check online through their mobile app or web portal. This way, you can download and print a digital version that features your specific account details.

Is a voided check the same as direct deposit?

A voided check isn’t the same thing as a direct deposit. The check is simply the document that provides the routing and account numbers needed to set up the direct deposit with an employer or billing entity.

How do I void a check I already sent?

If you need to cancel a check, contacting your bank to request a stop payment order is the typical next step. Keep in mind that banks may charge a fee for this service, and it only works if the check hasn’t yet cleared your account.

Disclosure: This article is for general educational purposes. It is not intended to provide financial advice. It also is not intended to completely describe any Citi product or service. You should refer to the terms and conditions financial institutions provide for various products.