How to Set Up Direct Deposit Without a Voided Check

Andy Lim
February 4, 2021

how can i get a voided check

If you don’t have paper checks, you can still enjoy the benefits of direct deposit. You can also give each account a name like “emergency fund,” “car fund,” or “holiday savings.” Splitting your paycheck among multiple accounts, each with its own goal makes it easy to save. Many banks, especially online banks, make it easy to open multiple savings accounts.

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If you don’t have access to paper checks that you can void and provide to your employer or a merchant who needs one, there are other ways to set up ACH transactions. Voided checks may also be necessary when setting up automatic bill payments, such as bill-pay for utilities or even automatic payments on a home or student loan. While many merchants and lenders can simply accept your banking institution information, voiding a blank check is often required. If you’re trying to set up online bill payments, you may be able to do that through your online banking access, with no voided checks or paper forms required.

Is a voided check the same as a canceled check?

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  • You can then provide the check to your employer so they can set up direct deposit.
  • Most payroll systems let you split your paycheck multiple ways, so you can have money going to three, four, or even more accounts.
  • Alternatively, you may be able to print a check at home and then follow the same process.
  • You don’t need to sign the check or enter any other information.

Then, you don’t have to keep pulling checks from your checkbook. For example, if your company’s payroll department needs a check from you to set up direct deposit, you can provide a voided check. Then you know that no one would be able to alter the check and spend it, because it has been voided.

What is ACH: meaning and how it works

Hearst Newspapers participates in various affiliate marketing programs, which means we may get paid commissions on editorially chosen products purchased through our links to retailer sites. You have same-day access to your money on the day of deposit. Connecting you to a trusted network of resources created for your financial and personal success. First Republic Investment Management, an SEC Registered Investment Advisor, offers objective, individualized wealth management solutions. It doesn’t matter if someone else picks that check up and tries to write over it. So, be thorough and write it large and wide across the majority of the check.

how can i get a voided check

Some mobile banking apps allow you to quickly identify and block fraudulent activity. Chime gives you transaction alerts and allows you to disable your Chime debit card, all right within the app. You may have written down the wrong amount, addressed it to the wrong person, or dated the check incorrectly. The Balance uses only high-quality sources, including peer-reviewed voided check studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy. You don’t need to sign the check or enter any other information. Maybe you don’t need the check anymore, or you messed up writing it out and need to change something on it.

Requirements for a Voided Check

If that check number is posted to your account, contact your bank right away. Finally, if you use duplicate checks, make sure your VOID marks are seen on the duplicate, too. If you are voiding this check without a reversing journal entry, the system sets the status to Voided and sets the transaction amount to zero. If the check was previously cleared, a confirmation window appears warning you that voiding the check may cause an inconsistency in your account reconciliation, like an incorrect balance. The check becomes unreconciled if previously reconciled, and the check is unmatched or has its cleared status removed. You can click Cancel to not void the check or click OK to void the check. To properly void a check, make sure you use a pen, not a pencil.

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Author Andy Lim

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