How to Set Up Direct Deposit Without a Voided Check

how to send a voided check

Somevoided checks, you need a void check to set up direct deposit, typically with a new employer. Increasingly these payments are made by electronic direct deposit rather than the distribution of paper checks.

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You’re now leaving Chase needs to review the security of your connection before proceeding. Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved. This makes managing your finances much easier and helps remove the temptation to spend your extra cash. It doesn’t matter if someone else picks that check up and tries to write over it.

  • You may need to void a blank check for multiple reasons, not just to set up direct deposit for your paycheck.
  • That way, you’re helping protect yourself if your check falls into the wrong hands.
  • To get a voided check you’ll need to talk to your bank and get them to send you a checkbook.
  • This information can be used to set up the account for salary payment or mortgage or EMI payment.
  • Properly voiding your checks is easy to do and can save you from future fraud.

It gives the company asking for the check what they need and prevents them or anyone who might get their hands on the check from adding information, such as a payee or dollar amount. Though we live in an age where most of our banking can be done digitally, there are some instances when you’ll be asked to provide your bank information using a blank check. And anyone who has ever written out a physical check knows that it’s possible to make a mistake. When you’re faced with either of these situations, you’re going to want to void the check in question. If you have a checking account that doesn’t offer checks, you can try these options for setting up direct deposit or electronic payments. A voided check may be perforated with a “Void” stamp, or crossed out, or have “Void” written across it, be shredded, or simply be stored in a voided checks file. It is best to permanently deface or destroy a voided check, so that no one can present it to a bank at a later date and expect to be paid for it.

Voided check example

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Why Do Companies Need a Voided Check?

Employers often use voided checks to set up direct deposits for their payroll, and service providers may need them to set up direct debits. This is because a blank check has all the information they need, such as routing or account numbers. Although it is not strictly necessary to get this information from a check, using one reduces the likelihood of a transcription or other type of error.

But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That’s why we provide features like your Approval Odds and savings estimates. If you want to cancel the check after you have sent it, be prepared to pay a fee to the bank. This is the box on the right where you would normally note the value of the check. Again, if you have already written an amount in, write over it clearly. If you don’t have your checkbook readily available when requested, here are some alternatives you can provide that will have the same information as a check. ABA transit numbers appear on standard checks and are used to identify specific U.S. financial institutions.

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Another benefit is that many banks charge maintenance fees that can be waived if you set up direct deposit. Setting it up can mean you save a few dollars every month by avoiding bank fees.

What are the 3 steps to voiding a check?

  1. Find a blue or black pen.
  2. Write “VOID” across the front of the check in large letters, making sure to avoid covering the account number and routing number at the bottom of the check.
  3. Dispose of the voided check.

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