Writing paper checks today is less common since more and more people manage their money online and opt for electronic checks instead. For example, 55% of Americans say they prefer to pay their bills online. And nearly 93% of Americans are paid by direct deposit.
- An avoided check may be needed to set up direct deposit, automated clearing house(ACH), or electronic bill payments.
- Voiding a check means that it can not be used to pay or withdraw money from your checking account.
- The process of voiding a check is simple.
If you do not have a check, there are other steps you can take to set up a direct deposit or make an electronic payment.
How to void a check
We will guide you step by step 1:
- First, you need to get a blue or black pen.
- Next, write VOID in large letters on the front of the check or write VOID in smaller letters on the dateline, the amount line, payee line, and the signature line, as well as in the amount box.
- Make a copy of the voided check for your records and note the check number in your registry if you keep one.
Those are all the steps you need to take to void a check. Once you have voided your check, it can no longer be used to pay.
Reasons for voiding a check
There are several situations in which you may need to void a check. Below are the most common situations where you may need to know how to clear a check.
- Direct payment. Voiding a check may be necessary if you want to schedule electronic payments, for personal use or if you run a business. For example, if you have a business and your suppliers want to be paid electronically, canceling a check may be part of the process for setting up automatic payments.
- For direct deposit. Direct deposit may help you get paid faster, but your employer needs certain information from you to get started, including bank account numbers and bank route numbers. Skipping testing is a simple way to provide those details.
- Pay regular bills. If you want to pay for mortgages, car loans, or other online invoices, you may have to send a disabled check to schedule payment from your checking account.
Remember that a check may also be necessary if you write a check and make a mistake. For example, if you write the wrong amount of dollars, you will have to cancel the check to keep the person or business you write it out of cash or deposit.
It is important to note that you can destroy a check once you have given it to the payee. At that time, the only way to prevent a check from being cashed or deposited is to request a payment stop from your bank, which may incur charges.
You can destroy a check once you have given it to the payee.
If you do not have a check
If you have a checking account that doesn't provide checks, you can try these options to set up a direct deposit or pay electronically.
- Use deposit instead. The deposit slip must also have your routing number and bank account number and this may be an option if your bank provides them.
- Submit banking details online. If you are trying to set up an online bill payment, you can do so through your online banking access without checking or paperwork being disabled.
- Ask the bank for a starter check. Your bank can print you a starter kit or test template with routing numbers and bank account numbers that you can use for disabling purposes.
- Get other documentation from the bank: If you can use a money order or a boot check, your bank can provide you with an official letter with the route number and account number you can use. used instead of canceled checks.
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