Starting a new job in the US usually comes with a small surprise in the onboarding paperwork: your employer asks for a “voided check” to set up direct deposit. If you have never done it before, the request sounds strange — why would anyone want a check you cannot use?
A voided check is simply a regular check with the word “VOID” written across it. It cannot be used to take money out of your account, but it still shows your bank’s routing number and your account number — exactly the two numbers your employer needs to send your paycheck straight to your bank. This guide walks you through voiding a check correctly, explains when you need one, and covers what to do if you do not have a checkbook.
What Is a Voided Check?
A voided check is a paper check that has been cancelled by writing “VOID” across its face. Once voided, the check can never be used as payment — no one can fill it in and cash it. However, the important banking details printed at the bottom (the 9-digit routing number and your account number) stay readable, which is the whole point: it is a safe way to share your account details without handing over a usable check.
Employers, landlords, and service providers ask for voided checks because it removes guesswork. Instead of you copying long numbers onto a form (and possibly making a typo), they read the numbers straight from the check.
How to Void a Check: Step by Step
You only need a pen and one blank check from your checkbook.
Step 1: Take a blank check. Use a check you have not filled in or signed. Never void a check that already has a payee or amount written on it — start fresh.
Step 2: Write “VOID” in large letters across the front. Use a blue or black permanent-ink pen. Write the word diagonally or horizontally across the face of the check so it is impossible to miss. Big and clear is the goal.
Step 3: Keep the routing and account numbers readable. The numbers along the bottom edge of the check must stay visible — that is the information your employer actually needs. Do not scribble over them.
Step 4: Optionally mark the key lines. For extra safety, you can also write “VOID” in smaller letters on the date line, the payee line, the amount box, the written-amount line, and the signature line. This is optional but makes the check unmistakably unusable.
Step 5: Do NOT sign it. A voided check should never carry your signature.
Step 6: Record the check number. Note the voided check’s number in your check register or banking app so you know that number will never clear your account. If it ever appears as a transaction, contact your bank immediately.
Step 7: Make a copy, then submit or store it. Photograph or photocopy the voided check for your records, then give it to your employer — in person or through their secure HR portal.
When Do You Need a Voided Check?
- Setting up direct deposit: the most common reason — your employer’s payroll department uses it to route your paycheck to your account.
- Automatic bill payments: some companies ask for one when you authorize recurring ACH withdrawals, such as loan payments or insurance premiums.
- Government benefits: agencies setting up electronic benefit deposits may request one.
- Investment accounts: brokerages sometimes ask for a voided check when linking your bank account for transfers.
If you are new to the US banking system, our step-by-step guide on how to write a check covers the basics of filling one out correctly.
What If You Don’t Have Checks?
Many people — especially younger account holders — never ordered a checkbook. You still have options:
- Direct deposit authorization form: most employers accept a simple form where you write in your routing and account numbers yourself. Ask HR for theirs.
- Bank letter or printout: your bank can provide an official letter or account verification document with your routing and account numbers.
- Bank statement: a recent statement (with sensitive details partially masked if you prefer) often works.
- Online banking: most banking apps show your routing and account numbers under account details — some even generate a printable direct deposit form.
Always confirm with your employer or HR department which documents they accept before submitting anything.
How to Find Your Routing and Account Numbers Without a Check
Look at the bottom of any check: the first 9-digit number is the routing number (it identifies your bank), and the second number is your account number. No check? Log in to your bank’s website or app, open your checking account, and look for “account details” or “direct deposit information.” You can also call your bank and ask — they give out routing numbers freely since they are public.
Voided Check Safety Tips
- Never hand over a blank, un-voided check. Anyone holding it could fill in any amount. Always void it first.
- Use secure channels. Submit the voided check through your employer’s official HR portal or in person — not over unsecured email if you can avoid it.
- Shred old voided checks you no longer need instead of throwing them in the trash; they still show your account numbers.
- Double-check before submitting that “VOID” is clearly written and the bottom numbers are legible. A rejected submission just delays your first paycheck.
Setting up direct deposit is also a good moment to review the rest of your money setup — our monthly budget guide can help you plan around that first paycheck.
Frequently Asked Questions
Can I void a check online?
Not exactly — voiding means marking a physical check. But if you have no checks, most banks let you download a direct deposit form or account verification letter from online banking, which serves the same purpose.
Is it safe to give my employer a voided check?
Yes, when done correctly. A properly voided check cannot be used to withdraw money. Only share it through official, secure channels.
Can I use a photocopy of a voided check?
Often yes. Many employers accept a clear scan or photo — but void the original check first, then copy it. Confirm with HR.
What happens if I lose a voided check?
Risk is low since it cannot be used for payment, but it does show your account numbers. Monitor your account, and ask your bank about extra precautions if you are concerned.
Do I need a voided check for every new job?
Usually yes — each employer sets up direct deposit separately. Keep a couple of blank checks handy, or know how to get a direct deposit form from your bank.
Final Words
Voiding a check takes about a minute: write “VOID” across a blank check, keep the bottom numbers readable, don’t sign it, and record the check number. It is a small task that unlocks faster paydays through direct deposit — no more waiting for paper checks in the mail. Once your paychecks are flowing electronically, you can put that money to work with a solid financial plan.
