How to Void a Check

You may need to provide a voided check when setting up automatic bill payments, deposits from your employer, or investments from your bank account.

Your bank account information appears on these checks, and whoever requested the voided check will use this information to establish an electronic link to your bank account. There's only one catch, you need to know how to void a check and you may not have done it before.

Fortunately, it's easy to void a check.

How to void a check

Write the word "VOID" in front of the large registration letters. Make the letters tall and wide enough to cover most of the check.

But don't cover the numbers at the bottom of your check, the recipient needs these numbers to link to their bank account. Use a ballpoint pen or marker so that no one can erase the word "NULL".

Writing “VOID” on the front of the check prevents someone from using the check to make a standard check payment (by entering a payee and an amount).

If a thief gets his hands on the check, he will not have a blank check that he can use to spend his money, effectively stealing from his account.

Keep records

Make a note of the record in your check register to find out where that particular check went. Otherwise, you will have a gap in the check numbers, making you wonder what happened.

Did you write a large check for someone and forget about it, or was that check stolen? When will this hit your account? On your check register, write “CANCEL” along with the check number, the date, and a note about why you canceled the check (such as who you gave it to).

Send the check or photo

Your check is now ready to be sent. If you are providing the voided check electronically, do not openly send it in a standard email message.

Take steps to hide your account information from thieves and hackers. For example, consider encrypting the image or uploading it to a secure file vault.

If you don't have checks

How can you void a check if you don't have a check? Maybe you need to get creative, wait for checks, or find an alternate way to link your bank account.

Online options

See if you can set up your bank account link completely online. Instead of using forms, which require you to void a traditional check, try logging into your account (or ask if there is an online system).

In most cases, you will need to provide your bank account information in an online form.

Deposit voucher

You can also set up deposit or withdrawal instructions using a deposit slip instead of a voided check. You may need a pre-printed deposit slip, not the blank ones that you pick up at the bank and fill out by hand. You may have several of these preprinted receipts on the back of your checkbook.

Initial checks

Another solution is to visit an agency and ask for a "paycheck." The cashier can print a check with your account information. If so, try voiding that check as if it came from your checkbook.

Check printers

A creative solution is to have a check printer generate a voided check image for you. This method will not work if you need to mail the check, but it can help you obtain an electronic image of a check that contains your account information.

Start the check ordering process and when it is time to "view" your order, you will have a custom check image that you can void.

Other documents

If all else fails, you can get official documentation from your bank or credit union instead of voiding a check. Request a letter, printed on bank letterhead, stating your account number, routing number, and type of account (checking or savings).

Alternatively, some banks provide standard letters for setting up direct deposit - print them while connected to the online banking system, and you should have everything you need.

Keep a copy

Once you have the voided check you need, consider scanning or photocopying it. You may need to provide voided checks multiple times over the next several years.

When an original check is not required (for example, if you are faxing instructions or sending an electronic image of your check), you can use the same copy over and over again.

We hope you enjoy watching this video about How to Void a Check

Source: The Stuff I Use Channel


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