What is a Voided Check? How to Void a Check

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  • If you don’t have your own account and the issuing bank isn’t available in your area, you can turn to a check-cashing service.
  • The bank teller should be able to print a check for you, which will have your account information on it.
  • It might be the case that they’re living on fixed income and won’t have the funds available after the specified time frame.
  • [+] She is smiling at the ease of use as she works on her smart phone banking app to do monthly finances, pay taxes and save money for the future.

Or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. Keeping a partially written check around without voiding it is risky as it could be stolen. Thus, it’s always best to void any check that can no longer be used by writing the word “VOID” on it.

Why You Might Need to Make a Void Check

You can easily void a paycheck or other payment through QuickBooks or other accounting software. Banking services and debit card provided by The Bancorp Bank, N.A. Let’s say you intended to write a $50 check, but mistakenly added an extra zero, making it $500. To prevent the check from being processed for the wrong amount, you void it by writing “VOID” on top of the written amount.

You can use copies or pictures of the same voided check for multiple situations. Read on for a few scenarios where a voided check is necessary. Find a way to raise the cash needed to pay the store back, plus penalties.

Instead, it’s only useful for supplying your account details. This is the reason banks will request a void check rather than a blank one, i.e., to make sure it can’t be used. If you take a check to a business that doesn’t cash checks, they won’t be able to verify the payment and won’t be willing to give you cash.

Understanding the FDIC insurance limit: safeguarding your deposits

Make a note of the check-in your check register so that you know where that particular check went. If you don’t, you’ll have a gap in check numbers, leading you to wonder what happened. Did you write a large check to somebody and forget about it, or did that check gets stolen? In your check register, write “VOID,” along with the check number, date, and a note about why you voided the check (such as who you gave it to). Note that some banks may charge a fee to issue a stop payment on a check. Make a copy of the voided check to send to your employer or whoever else needs the voided check.

How much does it cost to cash or deposit a check?

This method won’t work if you need to mail the check, but it can help you get an electronic image of a check containing your account information. Start the process of ordering checks, and when it’s time to “preview” your order, you’ll have a customized check image that you can void. If you’re going to provide the voided check electronically, don’t just send it out in the open, in a standard email message. Take steps to hide your account information from thieves and hackers.

How to make an electronic signature for the Fillable Voided Check Form in Google Chrome

When you need a voided check, all you need to do is write “VOID” across the front of the check. You do not sign a voided check as it is unneeded and you do not want anyone to make copies of your signature in case it gets lost or stolen. If you’ve completed a check but want to cancel it, simply taking it back and voiding it makes it financially empty and therefore cannot be used to deposit a payment. When I used to write checks a lot for bills and other payments, occasionally I would write the wrong amount or accidentally spell something incorrectly. If the check issuer is your employer, this will allow them to balance their account. Once all is settled, they can replace the voided check and write you a new one.

Counter Checks

You may pay a flat fee per check or a percentage of the cashed amount. For example, Walmart charges a maximum of $4 to cash checks worth up to $1,000, up to $8 to cash checks worth more, and up to $6 to cash checks made out to two names. These are generally considered good rates; some check-cashing services charge as much as 6% of the check amount. In some cases, the issuing bank may charge you a fee to cash the check if you don’t have an account there. However, many banks will waive non-customer check cashing fees if it’s a check that the bank issued and can verify.

You should consult your own financial, legal and accounting advisors before engaging in any transaction. Lauren is a personal finance writer who strives to equip readers with the knowledge to achieve their financial objectives. She has over a decade of experience and a Bachelor’s degree in Japanese from Georgetown University. Voided checks may not be as popular as they once were, but it’s still important to know how to void a check, what they look like, and what their purpose is. Always remember to keep track of any checks you void out to prevent identity theft or fraud.

You can keep the original for yourself as a reminder that the check with this number was not used for a specific payment. This will ensure it reaches the intended place without passing through third-party hands. If in person is not possible, a fax delivery is preferred to email.

Then, it can provide key information like your routing number and account number to be used in electronic transactions. You can also use a voided check to set up automatic payments to come out of your checking account automatically. While many people have switched to using debit cards instead of paper checks, there are times when you may still need a check. There are also instances when a company requests a voided check, or when you wish to have a check voided for your own purposes. If you don’t have paper checks, you can still get a check from your nearest bank branch. You can get a voided check by asking a teller to print one for you.

Credit Resources

Before cashing a check after the requested time frame, consider the reason for the payer’s request. It might be the case that they’re living on fixed income and won’t have the funds available after the specified time frame. You may end up getting debt-to-equity ratio – d/e definition charged a deposit item return fee if that’s the case. The offers that appear on this site are from companies that compensate us. But this compensation does not influence the information we publish, or the reviews that you see on this site.

A voided check still shows information about you and your bank account. It will likely have your name, address, bank name, account number, and routing number. If someone has your voided check, they can see and use all of this information. You can often get a voided check online by logging into your bank’s website or mobile app and selecting an option to request a voided check.

A voided check is a check which is no longer valid and has the word ‘void’ written on the front. Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.