Examine the Voiding Procedure

Examine the Voiding Procedure

When you set up automatic bill payments, employer deposits, or investments from your bank account, you might need to present a voided check. Those checks contain information about your bank account, and whoever requests the voided check will use that information to create an electronic connection to your bank account. The only catch is that you must understand how to avoid a check, which you might not have done before.

Thankfully, voiding a check is simple.

Examine the Voiding Procedure

The word “VOID” should be written in capital letters across the front of the check-in. Make the letters big enough to cover the majority of the check, both in height and width. However, don’t hide the numbers on the bottom of your check because the recipient needs them to connect the check to your bank account. So that the word “VOID” cannot be removed, write it with a pen or a fine-tipped marker. 1

Anyone who writes “VOID” across the front of a check cannot use it to make a standard check payment (by filling in a payee and an amount).

Without a blank check to use to spend your money, a thief who steals the check would effectively be stealing from your account.

Create records

To keep track of where that specific check went, make a note of it in your check register. If not, you’ll have a gap in your check numbers and be left wondering what went wrong. Have you ever written a big check to someone and forgotten about it? Has that check ever been stolen? How soon will it appear in your account? In your check register, write “VOID,” the check number, the date, and a note explaining why you voided the check (such as who you gave it to).

Send the image or the check.

You can now send your check. Don’t just send the voided check in an open email message if you’re going to provide it electronically. Make sure your account information is hidden from hackers and thieves. Consider, for instance, encrypting the image or putting it in a safe file vault.

If You Have No Checks

If you don’t have any checks, how can you avoid one? You might need to think outside the box, wait for checks, or find another method to link your bank account.

Online Resources

Check to see if you can completely set up your bank account link online. Try logging into your account (or see if there is an online system) rather than using forms, which require you to void a conventional check. You typically have to fill out an online form with information about your bank account.

Deposit Receipts

A deposit slip may be used in place of a voided check to set up deposit or withdrawal instructions. It might be necessary to use a pre-printed deposit slip rather than a blank one that you fill out by hand after leaving the bank. There could be a lot of these pre-printed slips in the back of your chequebook.

Initial Checks

Asking for a “counter check” when you visit a branch is another option. It’s possible for the teller to print a check with your account details on it. If so, try canceling the check as if it were drawn from your checking account.

Verify printers

I will create a check using a check printer. An image of a voided check for you as a novel solution. This approach can help you obtain an electronic image of a check that contains your account information, but it won’t work if you need to mail the check. Once the ordering process for checks has begun, you will have a personal check image that you can cancel when it comes time to “preview” your order.

Various Documents

If all else fails, you might be able to obtain official records from your bank or credit union as an alternative to voiding a check. Request a letter that includes your account information, including your routing number and account type, and is printed on bank letterhead (checking or savings). As an alternative, some banks offer form letters that you can print while logged into your online banking account, and that should include all the information you require to set up direct deposit. 

Make a copy

Consider scanning or making a copy of the voided check once you have it. In the upcoming years, you might be asked for voided checks on numerous occasions. You can use the same copy repeatedly when an original check is not necessary (for instance, if you’re faxing in the instructions or submitting an electronic image of your check).

Make sure to store copies of your checks in a secure location, such as a locked filing cabinet or a secure folder on your computer.

Questions and Answers (FAQs)

Can a check that has already been sent be voided?

You could still place a stop order on the check to stop your money from being stolen if you have already sent out a check without marking it as void or suspect that one has been lost or stolen. To find out if that particular check has already been cashed, you must first call your bank. If it hasn’t, they ought to be able to stop that check from being paid. You’ll need to be aware of the check’s recipient, amount, and check number. The check might still be cashed if any of this information is incorrect or uncertain, in which case freezing the account would be the only way to prevent financial loss.

When should a check be voided?

When you need to set up a direct deposit or direct withdrawal, you’ll typically need to void a check in order to verify a new account. Even though you can give written information about your account, many businesses still need the voided check as proof.

How long after a check is not voided can it still be cashed?

The majority of checks are valid for six months, but banks may still accept checks that have passed this deadline. There are some checks that may specifically state a different time frame, like three months or a year.

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