How to Void a Check Even If You Dont Have a Checkbook

When you void the check, the selected journal account is impacted by the voiding journal entry. For information about the GL impact from writing a check, see the Writing Checks subtopic in the Bank Transaction GL Impact help topic. In theory, you should be able to just provide a routing number and account number to your payroll department. The voided check isn’t necessary, it just happens to have both numbers printed on it. It is possible for different banks to assign the same account number to different accounts. Because the banks have different routing numbers, your payroll department won’t have trouble sending your paycheck to the right place.

There are dozens of different reasons why you may need to learn how to void a check like applying for an unsecured business loan or setting up direct deposit with your employer. You may want to dispose of a voided check, in lieu of holding onto it, for several reasons. If you prefer the convenience that online banking provides, then check out Wise. Wise is a safe and easy way to send, receive and manage your money without any old-fashioned banks involved. If your checking account doesn’t offer checks, you may be able to set up direct deposit in other ways. Always keep a record of all your check transactions, and of all voided checks.

Requirements for a Voided Check

They may have starter checks, aka checks printed at the bank with no pre-printed contact info. Or a teller might be able to print out a copy of a voided check with your account details. If you need a voided check and you don’t have a checkbook, your best bet is to ask the recipient about submitting your account details online as an alternative.

They ask for this because a check has all the information your employer needs to help ensure your paycheck is deposited in your account. A voided check is simply a check that you can no longer use to make a payment or withdraw money from your checking account. You may need to void a check for several reasons, including setting up online bill pay or direct deposit. The most common use for a voided check is to establish a direct deposit¹. If you’re going to receive payments from an employer electronically, you can send them a voided check, so they have all of your bank information. If this is the case, simply write VOID across the front of check and attach to any direct deposit paperwork.

Financial Overview

That means you can use your direct deposit to automate your savings towards multiple goals at once. If you do not want to provide a voided check, you can ask your employer for alternate ways to confirm a bank account. You could also ask your employer to make an exception for you if you have specific reasons for not providing the check. Instead of getting a physical check each payday, the money shows up in your account the morning that your paycheck is due.

Basically, voiding a check you already sent is like bouncing your check preemptively. If you know the check you wrote is going to bounce then canceling the check before the recipient tries to deposit the check can leave you with fewer consequences and fees than if you let it common‐size analysis bounce. However, fees for canceling a check payment are still going to apply. If any of these things occur you can simply void the check to ensure it doesn’t accidentally get used later. In a way, voiding a check you already wrote is a safe method of destroying the check.

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Debit cards, online banking and banking apps may seem to have replaced paper checks. However, checks are still a very viable and necessary part of your personal finances. From writing checks to pay for something, to voiding a check for various uses, here is everything you need to know. Setting up personal financial transactions such as online bill pay, paycheck direct deposits, or automated clearing house (ACH) transfers often require the use of a voided check. A voided check requires the word “VOID” written across it, indicating that it cannot be used for payment.

When to Use a Voided Check?

This is especially the case when setting up automatic recurring payments. Your last option is to gather all your bank account information in one place so that you can fill out a form for your employer to set up a direct deposit. If you don’t have a paper check, you can always go to your nearest bank branch and request a voided check. Instead, you’d give it to a business or person so they can get your bank account info ( your account and routing numbers). While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere.

You should consult your own financial, legal and accounting advisors before engaging in any transaction. Yes, if your bank has a physical branch, you can speak with a teller and request a voided check. The bank can void the check by stamping or writing “VOID” on it. Paper checks aren’t as common as they were before the rise of mobile banking. However, people still use them, so you’ll want to know how to correctly fill them out, use them, and get rid of them. If you decide to use a check, learn the correct way to void it to keep you and your money safe.

How Can I Get a Voided Check?

Nor do you have to worry about logging onto online bill payment services after you set up automatic electronic transfers, either. Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. Insurance services are provided through First Republic Securities Company, DBA Grand Eagle Insurance Services, LLC, CA Insurance License #0I13184. If you’re tired of dealing with paper checks and keeping records, Wise can help you manage your money electronically. Voided checks can serve an important role in direct deposits and other ongoing transactions.