How to void a check that was lost, stolen, or damaged

This happens because the payee wants to make negotiations. Then, the funds are being taken from the bank account that belongs to the payor. An alternative to using checks is sending money online through platforms like Small World.

How to Void a Check

Ensure you copy the correct number, or you might cancel the wrong payment. Be sure to avoid covering the account number and routing number if you wish to use the check to set up a direct deposit or for bill pay. If you wish to dispose of the check, be sure to remove/tear this information from the check beforehand, as it could be used for identity theft or fraud. But you can contact your bank to have a stop payment placed on it. In order to do this, you’ll need to have some info handy for your bank, like the check number, payee, and amount. That way, even if it’s deposited or cashed, the money won’t be deducted from your account.

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They ask for this because a check has all the information your employer needs to help ensure your paycheck is deposited in your account. If you don’t already have checks, you can order checks online. While checks aren’t as popular as they once were, it’s still important to know how to void one in order to protect your money. They can also be useful when it comes to opening accounts or direct deposits. So, if you’d like to practice voiding checks or start using them for yourself, a book of checks from the CheapCheckStore is a great starting place.

  • Then you know that no one would be able to alter the check and spend it, because it has been voided.
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If any of these things occur you can simply void the check to ensure it doesn’t accidentally get used later. In a way, voiding a check you already wrote is a safe method of destroying the check. If you need to cancel a check you’ve written out, then you need to know how to void a check. This will help keep your checks safe and accounted for as you balance your checkbook. Sometimes you will need to void a check, and in order to avoid problems, you’ll need to know exactly how to do it.

How to Void a Bill Payment Check in QuickBooks

However, there are some alternatives to voided checks — like counter checks, a letter from your bank, or bank deposit slips — if you don’t have a paper check readily available. And if your goal is to set up direct deposit, certain accounts might allow you to do so without ever having to provide a paper check at all. Chase also makes it simple to set up direct deposit with a convenient pre-filled form that you can download through their app and print or email to your employer.

How to Void a Check

A fine-tipped marker or pen is a good choice, preferably in blue or black ink. We receive compensation from the products and services mentioned in this story, but the opinions are the author’s own. Learn more about how we make money and our editorial policies.

Routing vs. account number: Understanding the difference

The person who writes the check is referred to as a drawer or payor. Meanwhile, the person that the check is written https://turbo-tax.org/how-to-void-a-check/ to is referred to as the payee. In this situation, the bank on which the check is drawn is the drawee.

When should you void instead of delete a check?

Only delete a transaction if you're sure you don't need a record of it. For good bookkeeping, it's better to void a transaction, when you can, rather than delete it so you keep a record of the transaction.

Once submitted, if anyone tries to cash or deposit your check, the bank will have to decline it. You can only void a check that wasn’t cashed or deposited yet. This requires checking your most up-to-date bank statements, either online or by contacting your bank. Paper checks aren’t as common as they were before the rise of mobile banking. However, people still use them, so you’ll want to know how to correctly fill them out, use them, and get rid of them. If you decide to use a check, learn the correct way to void it to keep you and your money safe.

We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. This is because it is an easy and convenient way for https://turbo-tax.org/ the employer to have access to your bank information without requiring you to make a money transfer. The only way to give yourself peace of mind is to void the check and then throw it out or shred it.

Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s). Voiding a check makes it useless for payment or for withdrawing money. That way, you’re helping protect yourself if someone else finds your check.

However, rest assured that our editorial content and opinions remain unbiased and independent. These affiliate earnings support the maintenance and operation of this website. You can also send it electronically, but you need to be careful if you are doing this. Make sure you encrypt the image instead or at least upload it to some secure account first.

For instance, maybe you wanted to write a check out to a newly married couple and wrote the check out to Mr. and Mrs. Johnson. This can actually be a bit of a problem for them when they go to deposit the check if the bank account they want to use for that check is only in Mrs. Johnson’s name. If you mess up writing a check, then you’ll want to void the check you already wrote on and start over again. This can happen if you accidentally write the wrong amount on the check, or if you write the wrong name down for the recipient.

You can ask your bank or credit union for a voided check. They may have starter checks, aka checks printed at the bank with no pre-printed contact info. Or a teller might be able to print out a copy of a voided check with your account details.

  • Voiding a check that’s already out of your hands can be a cumbersome and expensive process.
  • This may include writing down the wrong amount or making it out to the wrong person.
  • We strive to provide up-to-date information, but make no warranties regarding the accuracy of our information.
  • 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.
  • When you void it, you invalidate the check by letting the bank know to not accept it for payment if presented.

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