What Is a Voided Check?
A voided check is a paper check that has been canceled by writing “VOID” across its face—preventing any financial transaction while retaining vital routing and account number information. It’s commonly used to set up direct deposits, automatic bill payments, or authorize electronic fund transfers.
Typical use cases include:
- Employer direct deposit setup, utility bill ACH pulls, mortgage or loan auto-payments.
- Preventing misuse, ensuring the check cannot be cashed fraudulently.
To void a check properly: use a blue or black pen to write “VOID” prominently without obscuring the routing/account numbers, and note the voided check’s number in your register.
How Dogpay Transforms the Voided Check Workflow — Efficient, Secure, Digital
Dogpay, as a digital payment and identity platform, streamlines and secures the voided check experience:
| Feature | Traditional Voided Check Process | Dogpay Digital PoV |
|---|---|---|
| Acquisition & Submission | Requires physical check, manual voiding, mailing | Digital version with one-click generation and secure sharing |
| Risk of Human Error | Prone to typos, illegible writing | Auto-population of account data, error-resistant |
| Privacy & Security | Paper vulnerability, risk of loss/theft | End-to-end encryption, strict access control |
| Compliance & Traceability | Minimal tracking, manual audit effort | Fully auditable logs and exportable records |
| Convenience | Time-consuming—writing, mailing, waiting | Instant generation and submission via mobile |
Use Case Flow
- User triggers “Generate Voided Check” on Dogpay App.
- Dogpay auto-fills account and routing info—no manual entry.
- A digital voided check is generated and marked “VOID.”
- It’s securely shared with the recipient for ACH/direct deposit setup.
- The entire flow is logged and available for audit or reporting.
