How to Void a Check: Common Questions, Process, and More

Paper checks are far less common in our financial world today than in the past. However, they’re still an important part of many banking transactions. For example, knowing how to void a check can help protect your identity and finances even in today’s modern, digital world.

In this article, our financial experts answer the question, “How do you void a check?” to help guide your financial decision-making.

What Is a Voided Check?

A voided check is a paper check with the word “VOID” written on the front. This notation makes the check unusable for payment, so it can’t be cashed or deposited.

However, a voided check must still retain the visible account and routing numbers on the front so that financial institutions can verify your account details without any withdrawal risk. In this way, a voided check allows you to share your banking information without authorizing payment.

Why You May Need to Void a Check

Here are some voided check examples of when you may need to use this financial tool:

• Set up direct deposit with your employer
• Enroll in automatic bill or personal loan payments
• Verify bank account details with a third party
• Correct an error when writing a check
• Prevent fraud if a check is no longer needed

How do You Void a Check Properly

Now that you understand the answer to “What is a voided check,” how do you void one correctly?

1. Grab a blue or black non-erasable ink pen.
2. Write “VOID” on the front of the check in bold, capital letters
3. Do not sign the check
4. Make a copy or take a photo of the voided check for your records
5. Log the check number and date in your check register

Common Mistakes to Avoid When Voiding a Check

An essential part of learning how to void a check is to avoid common mistakes, such as writing “VOID” too lightly or too small. Other mistakes to avoid include signing a voided check, forgetting to record it, or throwing it away without first destroying it.

How to Dispose of a Voided Check

If a voided check falls into the wrong hands, your financial information could be at risk. Shred your voided check if possible, or at least cut through the routing and account numbers. Consider looking into secure document destruction services or asking your bank for help.

How Voiding Checks Helps Prevent Fraud

Check fraud often occurs when someone maliciously steals bank details or alters checks. When you properly void a check, you make it unusable and reduce the risk of unauthorized payments.

When You Can’t Void a Check

These voided check examples work in many circumstances; however, you can’t void a check that you’ve already given to a payee. Instead, you must quickly request a “stop payment” from your bank, a service that may incur a fee.

Setting Up Direct Deposit without a Voided Check

How do I get a voided check if I don’t have a checkbook? If you don’t have any checks, you can request a pre-voided check from your bank to set up direct deposit.

Banks can also provide authorization forms for direct deposit. Meanwhile, employers and billers may have alternative verification methods available.

FAQ Related to How to Void a Check

What does it mean to void a check?

To void a check means to make it unusable for payment while still keeping your bank information visible.

Can a voided check still be cashed or deposited?

No, voided checks cannot be cashed or deposited.

Should I sign a check before voiding it?

No, never sign a check that you want to void.

What should I do if I have already given the check to someone?

Contact your bank immediately to have them issue a “stop payment” on the check.

Is shredding a voided check really necessary?

Yes, shredding is the safest way to protect your financial information from misuse and prevent fraud.

How can I set up direct deposit if I don’t have checks?

Ask your bank for a direct deposit authorization form or a pre-voided check if you don’t have a checkbook.

If you have additional questions about voiding a check or using a voided check to set up automatic payments on an installment loan, please contact us. We are happy to help you at our many conveniently located offices and through our mobile app.