Direct Deposit Without A Voided Check? Absolutely!

How to Void a Check for Direct Deposit

Some employers use a voided check or deposit ticket to verify the account and routing numbers. If you’re asked to do this, write “VOID” across the front of a blank check, which ensures the check’s unusable if it’s lost or stolen.

  • Keep in mind that voiding a check may also be necessary if you’re writing a check and make a mistake.
  • Consider using a password-protected PDF if sending your information by email.
  • A voided check is a check which is no longer valid and has the word ‘void’ written on the front.
  • Then you drag and drop those transactions into your budget lines and the math is done for you (just like magic!).
  • Once you’ve done this, no one will be able to deposit the check.
  • And nearly 94% of Americans are paid via direct deposit, rather than with a physical paycheck.

It’s wise to be cautious with your bank account information, so knowing the proper way to void a blank check could help you set up direct deposit safely and correctly. Let’s look at what you need to know about how to void a blank check. Although you can sometimes deposit a voided check in an ATM, this type of error is likely to be spotted when human tellers review the machine’s deposits.

The Fastest, Safest Way To Deposit Your Paycheck

See whether a preprinted deposit slip for a checking or savings account is acceptable. Typically, you’ll need to void a check when you need to provide new account verification for setting up a direct deposit or direct withdrawal. You can provide written informaition about your account, but many companies require the voided check for verification. You may also be able to set up deposit or withdrawal instructions using a deposit slip instead of a voided check. A pre-printed deposit slip might be required—not the blank ones you grab at the bank and fill out by hand. You may have several of these pre-printed slips in the back of your checkbook. See if you can set up your bank account link entirely online.

How to Void a Check for Direct Deposit

Chime gives you transaction alerts and allows you to disable your Chime debit card, all right within the app. Voiding a check that should not be in use can also help prevent check fraud.

We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in oureditorial policy. Make a copy of the voided check for your records and note the check number in your register if you keep one.

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We strive to provide up-to-date information, but make no warranties regarding the accuracy of our information. Ultimately, you are responsible for your financial decisions. FinanceBuzz is not a financial institution and does not provide credit cards or any other financial products.

Rebecca Lake is a journalist with 10+ years of experience reporting on personal finance. She also assists with content strategy for several brands. Step 5 – Sign your Name after the words “Employee’s Signature,” then provide the Date you signed this on the blank line directly below this. When the amount of the refund is different than what was expected, indicating the IRS changed the amount, a notice explaining the adjustment is mailed to your address of record. Please review the information in the notice to determine if the change to the refund is correct. A toll-free telephone number is included on the notice in case you require further assistance. It’s an erroneous refund if you receive a refund you’re not entitled at all or for an amount more than you’re entitled to.

First Republic Trust Company takes a hands-on, personalized approach to a variety of trust services. First Republic Investment Management, an SEC Registered Investment Advisor, offers objective, individualized wealth management solutions.

The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. Make a copy of the voided check to send to your employer or whoever else needs the voided check. You can keep the original for yourself as a reminder that the check with this number was not used for a specific payment. Use a black pen or marker and write “VOID” in large letters across the front of the blank check.

  • You can also request ACH payment for government funds, such as Social Security checks or your tax refund.
  • You can void a check for any incorrect information and then rewrite it on a new check.
  • Often, when you try to set up direct deposit, your employer will ask for a voided check.
  • Then you know would that no one would be able to alter the check and spend it, because it has been voided.
  • However, fees for canceling a check payment are still going to apply.
  • Relationship-based ads and online behavioral advertising help us do that.
  • These forms are like pre-filled direct deposit forms that you can provide to your employer.

For example, consider encrypting the image or uploading it to a secure file vault. Justin Pritchard, CFP, is a fee-only advisor and an expert on personal finance. He covers banking, loans, investing, mortgages, and more for The Balance. He has an MBA from the University of Colorado, and has worked for credit unions and large financial firms, in addition to writing about personal finance for more than two decades. A void check is simply a check with the word “VOID” written across the front.

Step 1: Start With A Blank Check

An online checking account still uses checks, but if you’re out of checks, you may be able to send yourself a small check through your online bank’s bill payment service. Certain types of transactions might require a voided check to verify your banking information. If you need to provide this info, you’ll often be asked to include your routing number and account number on a form but also to include a copy of a voided check. Once it has been appropriately voided, a check cannot be used. For both Standard and Prefunded, if you void the check after your payroll deadline the day before the pay date, the direct deposit cannot be stopped. You will need to arrange for repayment or set up an after-tax deduction from the employee’s future paychecks. You need your bank’s routing number to receive and send funds, such as when setting up direct deposit or payments.

Voiding a check is easy but you should exercise some care if you need to void a check. Write VOID across the front of the check, but take care not to write over the numbers printed at the bottom of the check.

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. The easiest way to void a check is to rip out the next check number from your checkbook, and then write “void” across the front in large letters. Or, you may choose to write “void” on all the important lines of the check, including the payee line and signature line. You’ll want to use permanent ink to ensure that it can’t be erased. Just make sure that you don’t cover up the important areas such as your account number and routing number at the bottom of your check, or your personal/bank branch info.

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Get started with a step-by-step guide, and take control of your money. Learn everything you need to know about checks—including how to write a check in six simple steps. Some mobile banking apps allow you to quickly identify and block fraudulent activity.

How to Void a Check for Direct Deposit

You may need a voided check to set up a bank account, direct deposit, or automatic bill payment. You may also decide to void a check if you filled it out wrong or completed a mobile deposit and want to make sure it can’t be used again. You might need to use a voided check to set up an electronic link to your checking account. Most likely you’ll need to set up this link to get your paychecks through direct deposit, or to set up a recurring payment like your monthly bills.

First: Why Void A Check?

Find out what ACH stands for, what it can be used for, and the pros and cons of ACH transfer. Make a note in your check registerso that you’ll know where the check went. Be sure to keep images of your checks somewhere safe, like a locked filing cabinet or an encrypted storage container on your computer. California loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-78868. As a national security analyst for the U.S. government, Molly Thompson wrote extensively for classified USG publications.

How to Void a Check for Direct Deposit

While balancing a checkbook is a great way to see what happened to your money, planning a budget at the start of each month is the best way to stay in control of your money. And it’s super easy with the premium version of the EveryDollar budgeting app—included in Ramsey+. EveryDollar automatically syncs with your bank so all your transactions pop up on there—yes, even when your checks are cashed.

Confirm The Deposit Amount

Ebony Howard is a certified public accountant and a QuickBooks ProAdvisor tax expert. Most checks are good for six months, but banks might still cash checks that are past this expiration date.

A Stop Payment Order from your bank or credit union is how you void a check you already sent. Sometimes you’ll need to cancel a check payment after you’ve already sent or given the check. Voided checks often contain other important details necessary for an ACH electronic transaction setup, such as your bank’s branch address and phone number. Fortunately, voiding a check is a simple and straightforward task.

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At that point the only way to stop the check from being cashed or deposited is to request a stop payment from your bank, which may involve a fee. Writing out paper checks is less common these days, as more people manage their finances online and opt for electronic checks instead.

Be aware, however, that voiding a check happens before the check has changed hands or is presented for payment at a bank. provides information to clients about their accounts and financial services by First Republic Bank and its affiliates. First, you might want to void a check if you make a mistake while writing it. This may include writing down the wrong amount or making it out to the wrong person.

If you don’t have a checkbook, or don’t want to void one of your checks, contact your bank. A teller may be able to print a pre-voided check that you can use to confirm your account. Most banks that operate physical branches will be happy to do this for you. 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 How to Void a Check for Direct Deposit also ask your employer to make an exception for you if you have specific reasons for not providing the check. Having the voided check on-hand also reduces the likelihood of payroll using the wrong information when it sends out paychecks since they have the check on-hand to reference. The payroll system will use the bank’s routing number to direct your paycheck to the proper bank.

Often, banks will provide instructions on how you can set up a direct deposit without a voided check. Reach out to your bank, or see if there’s any information online about how you can do this. 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. You must first contact your bank and see if that particular check has already been cashed. If it hasn’t, they should be able to put a stop payment on that check. You will need to know who it was for, how much it was for, and the check number.

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