How to Set Up Direct Deposit Without a Voided Check

It’s typically written in large letters, so it cannot be mistaken for cash use. Voiding a check prevents the check from being used by anyone, especially thieves who could write a large sum of money out to themselves.

If you don’t have a spare blank check and still need to figure out how to get a voided check, there are a couple of options as well. Nor do you have to worry about logging onto online bill payment services after you set up automatic electronic transfers, either. Chase’s website and/or mobile terms, privacy and security policies voided check don’t apply to the site or app you’re about to visit. Please review its terms, privacy and security policies to see how they apply to you. Chase isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry the Chase name.

Why do you need a voided check for direct deposit?

Any erroneously-cleared funds will then be removed from the recipient’s bank account and returned to the original owner. If a voided check clears, customers can file a claim when they receive their statement. Don’t cover up the routing or bank account number at the bottom of the check when voiding it, as those numbers are necessary for identifying your bank account to send or receive payments.

You may want to use a voided check for several reasons. Delivering a personal approach to banking, we strive to identify financial solutions to fit your individual needs. Get your bank account information with the official bank letterhead. There are a lot of things we didn’t realize we’d need to know as adults. Because there are a few steps you should take before you hand over a check. Here’s what you need to know about using a voided check.

Why do employers need a voided check?

You can void a check for any incorrect information and then rewrite it on a new check. The three main steps to voiding a check include using the correct writing implement, writing on the check and disposing of the check. Juno (CapitalJ Inc.) is a financial technology company, not a bank. Banking services provided by Evolve Bank and Trust, Members FDIC. The Juno card is issued by Evolve Bank and Trust, Member FDIC, pursuant to license by Mastercard International. You’ll likely need to submit paperwork within a 14-day period of requesting the stop payment and may be hit with fees up to $30. Let’s say you already sent a check but there are errors on the check or you may not have enough money in your account when it gets cashed.

• If you don’t have paper checks, you can still enjoy the benefits of direct deposit.
• That way, even if it’s deposited or cashed, the money won’t be deducted from your account.
• Finally, if you use duplicate checks, make sure your VOID marks are seen on the duplicate, too.
• With 12 years of experience, Gina specializes in working with smaller companies in every area of accounting, including economics and human resources.
• You’ll be writing on the check face to void it, and because you want your notations to be permanent, it’s important to choose the right writing tool.
• Depending on your bank, you will probably be able to cancel a check through your online banking account.

Voiding a check is as simple as writing “VOID” in large letters across the front of the check, but there are a few other things to keep in mind. Follow these three steps to get a properly voided check for setting up direct deposit or other automatic payments. Setting up personal financial transactions such as online bill pay, paycheck direct deposits, or automated clearing house transfers https://www.bookstime.com/ often require the use of a voided check. A voided check requires the word “VOID” written across it, indicating that it cannot be used for payment. Most employers will ask for a voided check to set up your direct deposit in addition to filling out a form. They ask for this because a check has all the information your employer needs to help ensure your paycheck is deposited in your account.

What is a Voided Check for Direct Deposit?

While our articles may include or feature select companies, vendors, and products, our approach to compiling such is equitable and unbiased. The content that we create is free and independently-sourced, devoid of any paid-for promotion.

• The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates.
• When you’re submitting a voided check for direct deposit or automatic payments, you don’t need to include any information on the regular lines.
• You can also request a stop payment order through your online banking web portal.
• Similarly, you may be asked to submit a voided check for automated clearing house transfers, such as bill and loan payments.
• Voided checks are often used for setting up direct deposits or automatic payments.

This will provide them with your bank account number, routing number and financial institution, all of which they will need to establish the connection to your account on their side. A voided check enables them to see this information, without using the check as a method of payment itself. Your paper checks all have your bank information on them—the name of your bank or credit union and your account and routing number. By giving a voided check, you give the person establishing the link to the bank account information they need to set up your direct deposit. But because the check is void, they won’t be able to use the check to take money from your account. Many banks, even if they don’t provide pre-voided checks, offer direct deposit forms.

Legit Ways to Make Extra Cash

Get started with a step-by-step guide, and take control of your money. No matter the reason for needing to trash a check, it’s a good idea to void it first just to be safe—yes, even if you’re planning to rip it up. So you wrote a check and gave it or sent it, but now you need to cancel it. 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.