How to Void a Check

There are several reasons why you might need to void a check. You may want to make sure no one else uses it, or, you may need to present a voided check for someone to access and confirm your banking information. 

You Made a Mistake or You Already Used It

You should void a check if you make a mistake. You may have written down the wrong amount, addressed it to the wrong person, or dated the check incorrectly. This will keep others from using the check.

A lot of banking apps now offer mobile check deposits. This means you can snap a picture of your paper check and deposit it into your account, right from your phone. Many checks have a checkbox to mark off after mobile deposit. However, you should also void the check after it has already been deposited to keep others from trying to use it if it gets lost or stolen. 

You’re Setting Up a Payment Account

Some financial institutions require you to provide a voided check to process your banking information. You may need to present a voided check to: 

• Set up a direct deposit
• Set up automatic bill payments 
• Set up automatic loan payments 
• Confirm banking information
• Keep record of transactions

If you’re setting up multiple direct deposits or billing accounts, it may be helpful to create a copy of your voided check. Then, you don’t have to keep pulling checks from your checkbook. 

To Help Combat Check Fraud

Voiding a check that should not be in use can also help prevent check fraud. Check fraud can be several different illegal activities. Examples include stealing checks, altering checks, and signing someone else’s name. 

By voiding a check, it can no longer be used as payment or to withdraw money. That way, you’re helping protect yourself if your check falls into the wrong hands.