I’ve been there—staring at a form that requires a voided check, wondering where to even start. Whether it’s for setting up direct deposit, automatic bill payments, or linking a bank account, knowing how to get a void check is surprisingly useful. A void check is essentially a check that’s been marked "void," making it unusable for transactions but perfect for sharing account details securely. In my experience, most people don’t keep voided checks lying around, so I’ll walk you through the exact steps to get one, whether you’re using a paper check, online banking, or even a mobile app.
What Exactly Is a Void Check and Why Do You Need It?
A void check is a check that’s been marked “void” across the front, rendering it unusable for payments. It’s commonly used to provide your bank account and routing numbers securely. Employers, for example, often ask for a void check to set up direct deposit. In my experience, it’s one of the safest ways to share your account details without risking unauthorized transactions. If you don’t have checks, don’t worry—there are alternatives, but more on that later.
How to Get a Void Check from Paper Checks
If you have a checkbook, this is the simplest method. Here’s how I’ve done it:
- Grab a Blank Check: Pull out a check from your checkbook. Make sure it’s blank—no writing or pre-filled information.
- Write “VOID” Across It: Use a blue or black pen to write “VOID” in large letters across the front of the check. I’ve found that writing it diagonally makes it harder to alter.
- Double-Check the Details: Ensure your account and routing numbers are visible. These are usually at the bottom of the check.
✨ Note: Avoid using a pencil or light ink, as it can be erased or altered.
How to Get a Void Check Without Paper Checks
Not everyone has paper checks, but that doesn’t mean you’re out of options. Here’s what I’ve done when I didn’t have a checkbook:
Option 1: Use Online Banking
Many banks allow you to print a voided check directly from your online account. Here’s how:
- Log In to Your Bank Account: Access your online banking portal.
- Find the Check Printing Option: Look for a section labeled “Checks,” “Statements,” or “Documents.”
- Print a Blank Check: If available, print a blank check. Once printed, write “VOID” across it.
⚠️ Note: Some banks may charge for this service, so check the fees first.
Option 2: Request a Counter Check from Your Bank
If you can’t print a check, visit your bank branch. I’ve done this before, and it’s straightforward:
- Bring ID: Take your ID and account information to the bank.
- Ask for a Counter Check: Tell the teller you need a counter check (a blank check provided by the bank).
- Void It on the Spot: Write “VOID” across the check before leaving the bank.
Option 3: Use a Bank Statement or Deposit Slip
In a pinch, I’ve used a bank statement or deposit slip to provide account details. While not ideal, it works if the recipient accepts it:
- Highlight Account and Routing Numbers: Circle or highlight your account and routing numbers on the statement or slip.
- Confirm with the Recipient: Call or email the person requesting the void check to ensure this alternative is acceptable.
Common Mistakes to Avoid When Getting a Void Check
In my experience, these are the pitfalls to watch out for:
- Using a Filled-Out Check: Never void a check that already has writing on it—it could still be processed.
- Forgetting to Write “VOID”: A check without “VOID” written on it is still valid. Always mark it clearly.
- Sharing a Digital Image: Avoid sending a photo of a voided check via email or text. It’s safer to hand-deliver or use a secure portal.
Alternatives to a Void Check
If you can’t get a void check, here’s what I’ve used instead:
| Alternative | How It Works |
|---|---|
| Direct Deposit Form | Some employers or institutions provide a form where you manually enter your account and routing numbers. |
| Bank Letter | Your bank can provide an official letter with your account details. |
| Mobile Banking App | Some apps allow you to generate a voided check or share account details securely. |
Knowing how to get a void check has saved me time and hassle more than once. Whether you’re using a paper check, online banking, or an alternative method, the key is to ensure your account details are shared securely. Honestly, it’s one of those small skills that feels niche until you need it—and then it’s invaluable. Next time someone asks for a void check, you’ll know exactly what to do.
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