Voiding a check 101

Whether setting up direct deposit or signing up for an automatic payment, people may need to supply a voided check. But what is a voided check, and how can someone make one?

Think of a voided check as a canceled paper check. It normally has the word “VOID” written across the front so it may not be mistakenly used for a transaction. People can supply a business or an entity with a voided check to easily share their bank account details for an electronic payment or direct deposit.

In this guide, learn how to make a voided check and other potential factors to consider.

How to void a check

Voiding a check is generally a straightforward process. Here are the steps to take:

  1. Get a blank check and a black or blue pen.
  2. Write "VOID" on the front of the check. Use bold letters to ensure it's easily recognizable.
  3. While not a requirement, people may also choose to draw diagonal lines to form an “X” on the front of the check.
  4. Ensure the markings are clear, making the check unusable for financial transactions while still displaying account details.
  5. Note the voided check number in one’s checkbook to maintain accurate records.

Potential reasons to void a check

There are several reasons someone may need to void a check. Here are some common examples:

  • Direct deposit: To provide bank account details to an employer for direct deposit.
  • Automatic bill or loan payments: Entities like utility companies, mortgage providers, insurance agencies, or landlords may require someone’s bank information for automatic payments.
  • ACH transfers: When someone wants to transfer funds electronically between their own bank accounts at different institutions.
  • Government benefits: To receive government benefits or tax refunds directly into one’s bank account.
  • Third-party services: Some third-party financial services, like payment processors or money transfer apps, may ask for a voided check to link someone’s bank account.

How to dispose of a voided check

Since checks contain sensitive financial information, there are security factors to consider, especially when disposing of a voided check. Consider the following safety aspects when using voided checks:

  • Share only with trusted entities: When providing a voided check, ensure it’s shared only with authorized and trusted individuals or organizations. Verify the legitimacy of the request before handing over any financial information.
  • Protect personal information: Be cautious about sharing any personal information written on the voided check, such as name, account number, and routing number. Share this information only when necessary and through secure channels.
  • Regularly monitor accounts: Keep a close eye on bank statements and account activity to detect any unauthorized transactions promptly.
  • Report lost or stolen checks: If a voided check is lost or stolen, notify the bank immediately so they can take appropriate measures to protect the account.
  • Shred or tear: Use a shredder or manually tear the voided check into small, confetti-sized pieces. This may help make sensitive information unreadable.
  • Avoid public trash bins: Throwing voided checks in public trash bins can pose a risk, as these may be accessible to identity thieves.
  • Secure disposal services: If someone is concerned about security, they could use professional document disposal services that specialize in securely destroying sensitive documents.

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