A voided check is a paper check that’s no longer usable for payments, but still contains essential banking information, like your routing and account numbers. It’s often used to set up services like direct deposit or automatic bill payments, making sure money moves in and out of your account correctly.
But getting a voided check can be tricky, especially if you don’t use paper checks or have never had a checkbook. We at Remitly understand this can feel daunting, which is why we’ve created this guide to help you learn the simple steps to get a voided check, explore easy alternatives, and make banking smoother and stress-free.
Steps to obtain a voided check
Obtaining a voided check is straightforward, and there are several ways to get one without hassle.
Traditional method: Writing ‘VOID’ on a blank check
If you have a checkbook, you can void a check by writing ‘VOID’ across it. Ensure the word doesn’t cover the routing or account numbers and is written clearly and in capital letters. It’s best to use a permanent black or blue ink pen to prevent alterations.
Requesting a physical voided check from your bank
If you don’t have a checkbook or prefer not to void a check manually, you can request a voided check from your bank. Most FDIC-insured banks, like Bank of America or JPMorgan Chase, allow you to log in to your online account, navigate to ‘Account Services,’ and select ‘Request Copies’ to obtain a voided check. This service may come with a small fee.
Printing a voided check at home using online tools
Several online platforms enable you to generate a voided check without needing a physical checkbook. Services like VoidedCheck.com and My Check Pros allow you to input your bank details and receive a voided check via email or for direct printing.
These tools are compatible with many US banks and credit unions, offering a convenient solution for those without checkbooks.
Alternatives to a voided check
If the voided check options don’t work for you, there are alternatives to consider:
Bank letters and account information on letterhead
If your payday is approaching and you need direct deposit setup quickly, some banks offer verification letters that lenders, employers, and payment services can accept instead of a voided check. This letter is usually on official bank letterhead and includes essential details like your full name, your account number, and the bank’s routing number.
Some banks may also require a representative’s signature to verify the letter’s authenticity. Additionally, many employers or payment services may accept a recent bank statement as proof of your account confirmation.
Setting up direct deposit without a voided check or letter
Voided checks are commonly used for direct deposit, but aren’t always required. Many employers or payment services allow you to set up direct deposit by filling out a form that asks for your account type (savings or checking account), routing number, and account number.
Using a counter check
A counter check is a blank check printed at your bank’s branch with your account details. If you don’t have checks available, you can request a counter check directly from your bank. Employers and service providers often accept a counter check as proof of account details for setting up direct deposit and automatic payments.
Using an ACH authorization form
An Automated Clearing House (ACH) authorization form allows you to set up direct deposits as payment goes through the ACH network. It typically asks for your account and routing numbers and may require your signature for consent.
When setting up payments through the ACH authorization form, your employer, lender, or service provider may debit your account based on the information provided. Many companies accept this form as an alternative to a voided check, particularly for electronic payments.
Using a digital payment system
If you don’t have a traditional bank account or prefer not to use one for a direct deposit, some employers or payment services may accept digital wallets like Remitly, Apple Pay, Google Pay, and Samsung Wallet
These digital platforms allow the payee to provide account information without needing a voided check, as long as the employer or payment processor supports direct deposit to digital wallets.
Now that you have your voided check or alternative option ready, we’ll dive into tips for managing your information securely.
Best practices and tips for hassle-free banking
Here are some best practices to manage your banking information securely and efficiently.
Secure handling of banking information and voided checks
Write ‘VOID’ in large letters across the face of the check. This ensures the check can’t be cashed and provides necessary account details for electronic transactions. After voiding, you can store the check securely in a locked drawer or safe to prevent unauthorized access.
Avoid sending voided checks via unsecured methods like email. Instead, use encrypted channels or hand-deliver them to the intended recipient. Ensure you handle the voided check with care to prevent any misuse, scams, or fraud.
Always use strong passwords for your personal and business online banking accounts. Turn on two-factor authentication, and regularly update your security settings to keep your banking information safe.
Communicating with your payroll department or employer
Clear communication with your payroll department is essential for setting up direct deposit. Provide accurate information and confirm that your details have been received. Keeping a copy of all submitted forms and correspondence can also help resolve any issues that may come up.
Avoiding common mistakes with voided checks and automated transactions
To prevent errors, ensure that your voided check is completed correctly and that all account details are legible. Double-check all numbers to avoid misdirected payments. Retain a copy of the voided check for your records, as it can be helpful for future reference or audits. Additionally, consider sharing the check information with only trusted entities and through secure channels.
Regularly monitor your bank statements or transactions
Check your bank statements and transaction history regularly. Monitoring your bank accounts allows you to spot any unauthorized transactions or mistakes early. If you notice any discrepancies, report them to your bank immediately.
Regular monitoring ensures that any payments, including direct deposits, are processed correctly, allowing you to fix issues before they escalate.
Ensure your bank account information is up to date
When changing banks or opening a new account, update your direct deposit information with your employer, vendors, or service providers who make automatic deposits or withdrawals immediately. Keeping your bank account details current helps prevent issues with missed or delayed payments.
Use online banking tools to simplify account management
Many banks offer online banking tools that simplify managing direct deposits and payments. Setting up automatic payments and deposits online allows you to monitor your account easily and ensures payments are made on time.
Tools like automatic bill pay, direct deposit setup, and transaction alerts can help you stay on top of your finances. Take advantage of these tools to automate your finances, reduce manual oversight, and improve your financial organization.
Keep your paycheck information private
Always be cautious when sharing your paycheck information. Avoid disclosing sensitive details over the phone or in public forums, and only provide account numbers and routing details to trusted institutions or employers.
Use a checklist for direct deposit setups
To make the process smoother, create a checklist for setting up direct deposits. Include all the necessary documents, such as your voided check or direct deposit form, accounting and routing numbers, and contact information for your payroll department.
A checklist ensures you don’t miss any crucial steps or documents, helping you streamline the setups and avoid mistakes. Some banks also allow you to cancel a scheduled debit payment through mobile apps if there’s an error or if your payday details change.
Streamlining your financial processes with modern solutions
Technology offers more innovative and convenient tools for easier and faster financial management. These modern solutions can help you take control of your financial processes with ease.
Robo-advisors
Automated platforms like Betterment and Wealthfront use algorithms to provide low-cost investment advice. These tools make wealth management more accessible, especially for those who may not work with a traditional financial advisor.
AI integration
Artificial intelligence is helping financial professionals and apps streamline routine tasks, analyze data, and offer personalized financial insights. AI can also improve customer service through chatbots and virtual assistants that are available 24/7.
Digital financial tools
Apps like Albert, Mint, and YNAB (You Need A Budget) help users track spending, set financial goals, save automatically, and even invest, all in one place. These tools put financial control right in your pocket.
Mobile banking features
Many banks now offer advanced mobile features like budgeting tools, real-time spending alerts, mobile check deposits, and the ability to lock/unlock cards instantly, helping you manage your money online from anywhere.
By embracing these modern tools, you can simplify your financial life, make smarter decisions, and build a stronger financial future.
FAQs
How do I get a voided check if I don’t have checks?
If you don’t have a checkbook, you can request a voided check from your bank. Many banks allow you to request one through their online services or by visiting the bank in person. You can also use a counter check, which is a blank check provided by the bank, and simply write ‘VOID’ across the front to make it unusable for payments while retaining your bank details.
What can I use instead of a void check?
Instead of a void check, you can use a bank letter that includes your account and routing information. Some employers or payment services may also accept a recent bank statement. You can also use an ACH authorization form containing your banking details and proof of your account information for setting up direct deposit.
Can I print a void check at home?
Yes, you can print a voided check at home using online services like Voidedcheck.com. This service allows you to enter your account information, and then print the voided check for use in direct deposit setups. This option is convenient for those who don’t have access to paper checks.
What can I give my employer instead of a voided check?
If you don’t have a voided check, you can provide your employer with a bank letterhead that includes your personal information and bank details. You can also submit a recent bank statement or an ACH authorization form to set up direct deposit.
What do you need to get a void check?
To get a voided check, you may need your checkbook or access to your bank account details. If you don’t have checks, you can request a voided check from your bank or generate one using an online tool by providing your account and routing numbers.
What makes a check invalid?
A check becomes invalid when ‘VOID’ is written across the front. This prevents it from being used for payments. The check is not usable for transactions, but can be used for setting up services like direct deposit.
Can you validate a voided check?
Once a check is voided, you cannot validate it. Voiding a check is a permanent action that renders the check unusable for payments. However, if you need to issue a valid check, you may need to use a different check from your checkbook.
How to void a check from a prior year?
To void a check from a prior year, simply write ‘VOID’ across the check like you would with a current check. This action makes checks from a prior year unusable, but you may need to inform your bank or employer of any changes to your account or payment details.