A voided check is a paper check with the word “VOID” written across the front. It can’t be used to make a payment, but it still shows important account details like your routing and account numbers.
You’ll usually need a voided check to set up things like direct deposit or automatic bill payments. Even though checks aren’t used as often today, knowing how to void one—and when you’ll be asked for it—can save you time and hassle.
Why You Might Still Need a Paper Check
Even though most payments happen online, paper checks still haven’t disappeared. Some employers, landlords, and service providers still rely on checks—especially for setting up direct deposit or automatic withdrawals.
You might not write checks often, but having a checkbook on hand can save time when a company asks for banking info in a format they trust. In some cases, it’s the fastest way to verify your account and avoid delays.
What is a voided check?
A voided check isn’t meant to be deposited or cashed—but that doesn’t mean it’s useless. It serves as a secure way to share your bank account and routing numbers without risking an unauthorized transaction.
When you void a check, you’re basically turning it into a reference tool. The word “VOID” clearly marks it as invalid for payment, but the printed details still provide everything needed to set up a direct deposit or automatic withdrawal.
Why void a check instead of throwing it away?
Voiding a check instead of tossing it protects you from fraud. A blank or partially filled-out check can be stolen, completed, and used to withdraw money from your account—even without your permission.
Writing “VOID” across the check makes it unusable. It clearly signals to banks and payment processors that the check is canceled, even if some information was already written on it. It’s a simple step that keeps your banking info from being misused.
When You’ll Be Asked to Provide a Voided Check
A voided check is often used to confirm your bank’s routing and account numbers. Here are the most common situations where one may be required:
- Direct deposit setup for a job or government benefits
- Recurring bill payments like rent, mortgage, or utilities
- Loan applications that involve account verification
- Investment accounts or insurance policies that link to your bank
- Correcting mistakes on checks you no longer plan to use
Setting Up Direct Deposit
Many employers ask for a voided check when setting up your direct deposit. It gives them the routing and account number they need to deposit your paycheck straight into your account. Even if you fill out a direct deposit form, some companies still require the physical check as backup.
Authorizing Automatic Payments
You might also need a voided check to authorize recurring payments—like for rent, car loans, or utilities. It allows companies to pull funds directly from your account without needing a manual payment each month.
Fixing a Check With an Error
If you mess up while writing a personal check—maybe by writing the wrong amount or payee—it’s safer to void it than to try correcting it. Writing “VOID” across the check stops anyone from using it, even if it’s been partially filled out.
How to Void a Check Properly
Voiding a check is simple, but there are a few things to keep in mind:
- Use a black or blue pen
- Write VOID in large letters across the front
- Don’t cover the routing or account numbers at the bottom
- Don’t sign or fill in any other fields
- Record the voided check in your check register or banking app
Avoid using pencils or anything erasable. If the check is for someone else, don’t hand over a partially completed check—void it first to protect your info.
What if you don’t have a check to void?
If you don’t have paper checks, you still have options. Many banks will issue a counter check upon request—this is a blank check tied to your account. Some companies may accept that.
Other common alternatives include:
- A pre-filled direct deposit form from your bank or employer
- A bank letter verifying your account details
- A voided deposit slip (less commonly accepted)
- A screenshot or PDF from online banking that shows your account and routing numbers
Just make sure whatever you provide matches the information the company is requesting.
Final Thoughts
Voided checks may feel outdated, but they still play a role in setting up key financial services. Knowing when and how to use one keeps your money moving smoothly—and securely.
If you don’t use checks often, it’s still worth keeping a few in case you need to set up direct deposit or automatic payments. One check can save you from back-and-forth delays.
Frequently Asked Questions
Can a voided check be reinstated or reused?
No, once a check is voided, it cannot be reinstated or reused as a valid form of payment. The act of voiding a check is permanent. It ensures that the check cannot be accepted by banks or financial institutions for payment. If a mistake was made in voiding the check, a new check must be issued.
Can I void a partially filled check?
Yes, you can void a check after it has been partially filled out. If you’ve made an error or no longer wish to use a check that you’ve started writing, simply write “VOID” across it as described above. This will prevent anyone from completing and using the check. However, remember to record this action in your check register to keep your financial records accurate.
How long should I keep a record of voided checks?
It’s a good practice to keep a record of voided checks for at least one year to ensure you have a clear financial trail for tax purposes or to resolve any disputes that may arise. Some financial advisors suggest keeping all bank records, including voided checks, for up to seven years, consistent with the period for which the IRS recommends retaining tax documents.
Can I email a photo or scan of a voided check?
Yes, many employers and service providers accept a scanned or photographed voided check, especially if submitted through a secure portal or email. Just make sure the image is clear and the word “VOID” is easy to read without covering your routing or account numbers.
