One of the advantages is your bank or credit union may send the letter directly to the party requesting the voided check, avoiding the need to send it by email. Banks and credit unions are well instructed in methods of protecting personally identifying information and they will know the best way to send the letter safely to the intended https://www.kelleysbookkeeping.com/ party. A voided check is a paper check with the word “void” written in large, bold letters across its face. Should someone get the voided check, the person wouldn’t be able to cash or deposit it. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens.
Can you void a check that’s already been sent?
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Did you write a large check to somebody and forget about it, or did that check gets stolen? In your check register, write “VOID,” along with the check number, date, and a note about why you voided the check (such as who you gave it to). If a thief gets their hands on the check, they won’t have a blank check, which they could use to spend your money—effectively stealing from your account. If you already sent a check that needs to be canceled, it’s obviously a little too late to write VOID across it. There’s still a way to void a check after sending it—but you’ll have to act fast. Now let’s talk about how to void a check, including when you’ll need to and what to do if you don’t have a physical checkbook.
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They should be given only to individuals who are both trusted and necessary in your life. If any person or organization requests a voided check, be prepared to question them about the exact purpose. Unless it’s one of the usual reasons, you should never provide a voided check to anyone. If you deposit a voided https://www.kelleysbookkeeping.com/finance-and-accounting-outsourcing/ check in an ATM, it may be briefly accepted. But once the error is identified, the cleared funds will then be removed from the recipient’s bank account and returned to the original owner and a fee may be charged. If a voided check clears, customers can file a claim when they receive their statement.
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It’s typically written in large letters, so it cannot be mistaken for cash use. Voiding a check prevents the check from being used by anyone, especially thieves who could write a large sum of money out to themselves. Typically, a voided check is used to get information needed for electronic payments because it includes details such as your routing number, account number, and check number. Voiding a check can be a key step in setting up financial transitions like regular payroll direct deposits.
Voiding a check properly by writing “VOID” in large letters on the documents will help reduce the risk that the check will be cashed. In lieu of a voided check, you may also be able to provide documents such as a direct deposit slip that can provide the key financial information for the transition. Many small or less formal organizations may allow you to provide the information from your checking account directly to them in lieu of sending documentation. They don’t need a voided check; it’s just a matter of convenience if you send one. If you can provide your bank name, routing number, and your personal account number over the phone, it’s often good enough.