A voided check is the standard way employers, lenders, and financial institutions verify your bank account for electronic transfers. Whether you're setting up direct deposit for a new job, enrolling in automatic mortgage or rent payments, or linking a brokerage account, the requesting party needs your routing number and account number in a trusted, standardized format.

HR departments typically require a voided check as part of new employee onboarding alongside your W-4 and I-9 forms. Payroll platforms like ADP, Gusto, and Rippling all accept voided checks to authorize ACH deposits. Mortgage servicers and landlords use them to set up recurring auto-pay, while the IRS and state agencies may request one for tax refund direct deposit.

If your bank is online-only — like Chime, Cash App, SoFi, or Ally — you likely don't have a physical checkbook. That's exactly why VoidedCheck.com exists: generate a bank-accepted voided check in seconds using just your routing and account numbers, without ordering paper checks or visiting a branch.