How to Void a Check - Avoid Fraud and Unauthorized Withdrawals

A voided check may be requested by an employer for direct deposit set up or creditor for direct debit. The organizations need the information on the check, but not an actual payment from it. A check may also need to be voided for errors in dates, payee information or amounts. Banks prefer such errors be voided and a new check written to avoid "edits" that raise concerns. Checks are vulnerable to fraud as the "payor" (you - the account holder) does not need to be present for someone else to deposit a check to their accounts. Therefore, keeping control of the location of your checkbook and an accurate inventory of checks is critical.

Take the following steps when voiding a check:

1. Use a black or blue pen - NEVER pencil, or anything that can be erased
2. Write the word VOID in large, clear letters on the PAYEE LINE
3. Write the word VOID in large, clear letters in the PAYMENT AMOUNT BOX
4. Write the word VOID in large, clear letters on the SIGNATURE LINE
5. Record the check is voided in your check register on and or offline
6. If the voided check is to be sent to set up direct deposit or debit, make a copy for your records
7. Online checks - use the options in you banking service access to void a check number

** NOTE if a check has already been given to a payee, the only way to cancel it is to contact your financial institution and request a stop payment for a fee.

Voiding a check involves rendering the legal contract un-usable. Correctly voiding a check is critical to avoid fraud and having unauthorized funds withdrawn from your checking account.