Is It Ok to Use the Same Voided Check Over Again for Another Job for Direct Deposit
Last Updated on Feb 1, 2022 by
If you're setting up direct deposit or setting up payments from your depository financial institution account, you may be asked for a voided cheque. Hither's how to void a cheque and the steps to consider before voiding a cheque.
What is a void check?
A voided cheque is a check that has the word VOID printed on it, whether handwritten or printed. The cheque cannot exist presented for payment but notwithstanding has information that can be used to verify your account and which banking concern holds your business relationship.
How to void a blank bank check?
Voiding a check is piece of cake but you should exercise some care if yous need to void a check. Write VOID across the front of the cheque, simply take care not to write over the numbers printed at the bottom of the check.
These numbers contain your bank'south routing number and your business relationship number, both of which are needed for verification. Too, be sure to use ink that tin't exist erased. Note the check in your checkbook or finance software, indicating that the check has been voided.
You can also have a photo or scan the check so you tin use the aforementioned check for if yous need a voided check in the future. Be aware that you lot tin can void a bare bank check or you can void a cheque that you've already filled out. However, one time voided, the bank check can't be used.
When to utilize a void check?
Certain types of transactions might crave a voided check to verify your banking information. If y'all need to provide this info, yous'll often be asked to include your routing number and account number on a grade simply also to include a re-create of a voided check.
one. Set up direct deposit or auto-pay
If you desire to set upwardly direct eolith with an employer, you'll unremarkably need a copy of a voided check.
While yous'll be asked to provide your depository financial institution routing number and account number on a course, your employer's human being resources department volition probably need a copy of a voided cheque as well.
This process allows your employer to deposit your paycheck or expense reimbursements directly. Payment services may too require a voided check when setting up an account.
2. Prepare automated loan payments
Many times, you'll need a voided check to set up upwards automated loan payments such equally a mortgage payment, student loan, or auto loan.
Often you tin can earn a meliorate rate by using automatic payments, so information technology may be worth the actress effort of setting up autopay and sending a copy of a voided check.
3. Ready automatic electronic pecker payments
Other types of automatic payments may also crave a voided check. For case, setting up autopay for your hire, utility bills, or phone bills may require a voided check if y'all cull to apply a direct debit from your bank account.
Frequently, extra savings make the extra effort worthwhile. For example, many insurers offer an attractive discount if y'all make automated payments.
4. Qualify a government agency to direct eolith your benefits
Much like with a direct deposit paycheck, you can ready direct eolith and have your benefit payments sent to your bank account electronically.
For federal benefits, there's no actress accuse for straight deposits. You tin fifty-fifty cull to accept your tax refund sent by direct deposit.
five. Correct mistakes
To err is human and if you make a mistake when writing a check, voiding the check is often the best manner to ready the fault. Be aware, however, that voiding a check happens earlier the check has changed hands or is presented for payment at a bank.
If you need to abolish payment on a check that has already left your hands, y'all'll demand to contact your bank.
What to do if you don't take any checks?
If you need to provide your bank account information just don't accept any checks, you may have some other options.
1. Your online banking account
An online checking account yet uses checks, but if you lot're out of checks, y'all may be able to transport yourself a small bank check through your online bank'southward bill payment service.
You can then void this cheque by writing VOID across the front end and send it to the entity that requested a voided check. Alternatively, you may be able to impress a check at home and then follow the same process.
2. Get a counter check from your bank
Counter checks are the same as the starter checks many banks provide when yous open up an business relationship. These checks can exist printed on need and feature your bank'southward routing number as well every bit your account number. Be aware, however, that some banks may charge a small fee for counter checks.
three. Go a alphabetic character printed on bank letterhead
In some cases, the entity requesting a voided check might accept a alphabetic character printed on banking concern letterhead. The instructions you receive will outline the information they'll need on the alphabetic character. Expect to provide your routing number, account number, and your proper noun.
Besides, it'south of import that this information is typed rather than handwritten. Well-nigh banks or credit unions should be familiar with the process and what's required. The letter should also contain the contact data for the bank.
4. Employ a preprinted deposit slip
In some cases, y'all can use a preprinted deposit slip to verify your banking data. A preprinted deposit sideslip has the same information every bit a voided bank check, including your proper name, routing number, and account number.
All the same, to avoid delays, it's all-time to verify whether a preprinted eolith slip is adequate in place of a voided check.
5. Employ a direct deposit authorization grade
Oftentimes, a direct deposit authorization grade is the first function of the process when getting ready with direct eolith through an employer or for other types of payments.
It'due south possible that some employers or payment providers might accept this grade past itself. The grade asks for the same data printed on a voided check, such as your name, routing number, and account number.
Still, y'all'll often find that yous'll need both an authorization grade and some type of verification, such every bit a voided cheque.
6. Send a photocopy of a personal cheque
Reach out to the entity that requested the voided check. You may have other alternatives, such every bit sending a copy of a check that has already cleared your bank.
Still, be sensitive to privacy issues. A cleared cheque may contain data that you or another party may prefer to keep private.
Of import tips to consider when voiding a check
- Keep records of your voided checks in your check register. Indicate that the check is voided in your checkbook, check register, or finance software.
- Consider encrypting the prototype when you send a voided check electronically. If you tin use a voided check to ready up online payments, so can someone else who gets your checking business relationship information. If possible, consider sending the check copy equally an encrypted PDF. Likewise, attain out to exist sure the receiving party tin accept an encrypted file. Explain your concerns politely.
Voided checks FAQs
Can you go a voided check online?
If y'all don't have a checkbook, yous may be able to use your bank'south online pecker pay service to send a small payment to yourself.
For case, yous could ship a payment for a penny and so mark that cheque every bit void. Alternatively, y'all can use check printing software to impress a check you can then mark as void. Many of these apps are gratuitous to utilise or free to endeavor.
Can I employ the aforementioned voided check twice?
Yes, companies that request a re-create of a voided check need to verify your banking concern'due south routing number and your account number.
Since this data is on every check, there'southward no need to void a second check if y'all need to show a voided check to more than one visitor.
Do you have to sign a voided check?
There'southward no need to sign a voided cheque and information technology may be safer if you don't. A voided check is simply used for verification of your banking information.
The requester only needs your name, account number, and routing number off the check.
How exercise you lot become a voided check without a checkbook?
If you lot don't have any checks, one of the simplest means to get a voided check is to visit your local bank and request a counter bank check.
These checks can be printed on demand and have the same information as a standard cheque, including your routing number and account number.
Why do employers need a voided check?
Employer'due south use a voided check to ensure accuracy when setting upward straight deposit. A mistake in either the routing number or the account number tin create delays in payment and may atomic number 82 to other costs.
How do I ready upwardly straight eolith without a voided check?
Reach out to your homo resources department to ask which alternatives they offer. For example, they might take a bank alphabetic character or a voided preprinted deposit sideslip every bit verification of your banking information.
What is a preprinted voided bank check?
When an employer or another entity requests a preprinted voided check, they are probably referring to a standard check that you take voided past writing VOID on the check.
Reach out to the requester if y'all take any questions regarding documentation they demand.
Is it prophylactic to send a voided check via email?
Email isn't always secure and using email can put your information at risk. If possible, consider sending the check in an encrypted PDF. This step keeps parties who don't have the password from viewing the document.
Can I get a voided check from my bank?
You lot can request a counter check from your depository financial institution. Some banks accuse a fee for this service. Once you have the check, use ink or a permanent marker to write VOID on the check. Be careful not to write over the numbers at the bottom of the bank check.
Can y'all void a check later on sending information technology?
You can void a check you have in your possession. If y'all've already sent a cheque, y'all can request a stop payment on a check if you've made an fault or don't desire the payment to consummate for another reason.
Typically, banks accuse a fee of upward to $35 for a finish payment request.
Tin can you cash a check with VOID written on it?
Most tellers won't cash a check that has been voided but there take been cases of voided checks that accept been cashed. When sending a voided check, it's all-time not to sign the check and to ship only a photocopy or photograph of the check.
Is a directly deposit form the same as a void check?
No, although it's common for both a direct eolith form and a voided check to exist required and while both accept similar information, they are not the same. The voided check serves as a verification of your routing number and account number.
Final thoughts on how to void a check
From employers, to payment services, to authorities agencies, requests for voided checks are still mutual. Nevertheless, keep your own security in heed when sharing cyberbanking data.
If your routing number and account number fall into the wrong hands, there'south a possibility that this information can exist used to brand payments, purchases, or other unauthorized activity.
Consider using a password-protected PDF if sending your information by email.
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Source: https://www.plainfinances.com/grow/how-to-void-a-check/
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