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How To Write a Voided Check for Direct Deposit

By Jacqueline DeMarco · August 05, 2022 · 4 minute read

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How To Write a Voided Check for Direct Deposit

Nowadays, many employers deliver paychecks via direct deposit. To set up a direct deposit, the employer will request a voided check bearing the employee’s account information. But why is a voided check necessary?

Let’s take a closer look at how to write a voided check for direct deposit, why a voided check may be needed to set up a direct deposit, how voiding a check works, and other options.

Why Use a Voided Check To Set up a Direct Deposit

The reason that some employers will request a voided check when setting up direct deposit is that a check has a lot of the information needed to complete the process already on it. The employee will usually need to fill out a direct deposit form in addition to providing a voided check. While having to provide a voided check may seem like extra work, it can actually ensure the process of setting up a direct deposit goes a lot smoother.

If an employee doesn’t have any checks on hand, they can order a checkbook from their bank.

How To Void a Check To Set up a Direct Deposit

How to write a voided check for direct deposit is a pretty simple process. All the employee has to do is write VOID in large letters across the entire front of the check. (The check should come from the same checking account the direct deposit will go into.)

Write VOID in large enough letters to make sure nothing else can be written on the check. It’s never a good idea to give a blank check to anyone, even an employer.

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What To Write on the Voided Check

The employee should write VOID over the date line, payee line, amount box, amount line, and signature line. Ideally, this should be done in blue or black pen. There is no need to complete any of the fields on the check.

After voiding the check, it’s helpful to record the voided check number in the check register. This makes it easier to remember that the check was voided and isn’t a check that needs to be cleared on the account. If a consumer does ever see the voided check number posted to their account, they should contact their bank immediately. Using a budget planner app can make it easier to track checks and other payments all in one place.

If the employee uses duplicate checks, make sure the void marks are clearly visible on the duplicate check too.

Alternative Ways To Set Up Direct Deposit

There are other ways to set up a direct deposit that don’t involve providing a voided check. How this works depends on the employer. Usually, the employer will provide the new employee with a direct deposit form. These forms are fairly basic and require the employee to provide the following information.

•   Bank’s ABA or routing number. To find this number, look for a nine-digit number on the bottom left of a check.

•   Checking account number. On the bottom of the check directly to the right of the routing number, the account holder will find the checking account number.

•   Bank’s address. If they can’t find this information online, they can call the bank and request their address.

Some banks offer their customers pre-filled direct deposit forms that already include the necessary account information on them.

Another option is to request a counter check at the bank branch. This is a special check printed by the teller that contains the account holder’s information. Some banks charge a fee for this service.

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The Takeaway

Voiding a check is often a required step when setting up a new direct deposit. Simply write VOID in large print across the face of the check, so that it cannot be fraudulently completed later. Some banks also provide their customers with pre-filled direct deposit forms that have all of the information they need.

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FAQ

Is a voided check required for direct deposit?

Often employers require a voided check to set up a direct deposit, but this isn’t always a necessity. In some cases it’s possible to fill out a direct deposit form without a voided check. That said, voided checks contain all of the information needed to set up a direct deposit, which is why they are helpful.

What is an example of a voided check?

A voided check is simply a normal check with the words VOID written over its face in large letters. Ideally someone will want to write VOID over the date line, payee line, amount box, amount line, and signature line. It’s best to use black or blue pen when writing VOID on a check.

Can I just write void on a check?

Voiding a check for direct deposit is easy: Just write VOID across the check, in big enough print to prevent fraudulent use of the check. VOID should cover the entire check including date line, payee line, amount box, amount line, and signature line. Use blue or black pen so that the check can’t be changed later.


Photo credit: iStock/Oleksii Didok

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