American Express Voided Check

A voided check from American Express displays your Amex Checking routing number and account number in MICR format at the bottom, with "VOID" across the face. This document verifies your Amex banking details for employers, billers, and institutions setting up direct deposit, automatic payments, or account transfers.

American Express Company (NYSE: AXP), headquartered in New York City, was founded in 1850 as an express mail business. American Express National Bank is a Member FDIC institution with deposits insured up to $250,000 per depositor. While best known for its premium credit cards, Amex also offers personal banking through its National Bank subsidiary, including the Amex Checking account — a digital-first product with high-yield interest on checking balances, no monthly fees, and fee-free access to the MoneyPass ATM network.

To get a voided check from American Express using VoidedCheck.com: (1) Visit VoidedCheck.com and search for "American Express" or enter routing number 124085024. (2) Enter your Amex account number from the Amex app or a statement. (3) Add your name and address. (4) Preview the voided check. (5) Download as PNG or PDF. (6) Submit to your employer or biller.

Since the Amex Checking account is entirely online with no physical branches, many customers do not have a checkbook. VoidedCheck.com generates an Amex voided check in under 60 seconds.

American Express uses routing number 124085024 for checking accounts. You can confirm this in the Amex app, on americanexpress.com, or on any Amex check.

Direct deposit is the primary reason Amex Checking customers need a voided check. The high-yield interest makes it an attractive account for payroll deposits. Your employer uses the routing and account numbers to configure ACH deposits.

Other uses include linking Amex Checking to external accounts, transferring funds to Amex savings products, and establishing recurring ACH debits for bills and subscriptions.

VoidedCheck.com sources data from the Federal Reserve FedACH Participant Directory with AES-256 encryption. Account numbers are not stored.

Ready to generate your voided check? Create your American Express Checking voided check now — it takes less than 60 seconds with your routing number pre-filled.

Understanding the MICR Line on Your American Express Checking Voided Check

When your employer, landlord, or insurance company asks for a voided check, they are looking for a standardized document that contains your American Express Checking routing number and account number in a machine-readable format. The MICR (Magnetic Ink Character Recognition) line at the bottom of the check encodes these numbers in a format that payment processors and financial institutions can read electronically. This is the same format used on every physical check printed by American Express Checking and is the reason voided checks remain the gold standard for account verification even in the digital age. You can generate your American Express Checking voided check here on VoidedCheck.com with your routing number pre-filled — just enter your account number and download instantly.

Voided Check vs. Cancelled Check

A voided check from American Express Checking is different from a cancelled check. A voided check has never been used for a payment — it is a blank check with "VOID" written across the face to prevent anyone from filling in an amount and cashing it. A cancelled check, by contrast, is a check that was previously written, deposited, and processed by the bank. When someone asks for a voided check, they specifically need a blank check with your current routing and account numbers, not a record of a past transaction. Our voided check generator creates a properly formatted document with "VOID" clearly printed across the face, meeting the standard requirements of payroll departments and financial institutions nationwide.

Why a Voided Check Instead of Just Writing Numbers Down?

Many people wonder whether they can simply write their routing and account numbers on a piece of paper instead of providing a voided check. While some employers and billers will accept this, many require a voided check because it provides an additional layer of verification — the check format confirms that the routing and account numbers correspond to a real, active American Express Checking account. A voided check from VoidedCheck.com provides this verification in a professionally formatted document that meets the requirements of virtually all employers and financial institutions. Generate your American Express Checking voided check now — it takes less than 60 seconds.

How ACH Direct Deposit Works with Your American Express Checking Account

The ACH (Automated Clearing House) network processes billions of electronic transactions annually in the United States, including direct deposits, bill payments, and account transfers. When you provide a voided check to set up a new ACH transaction, the receiving organization uses your American Express Checking routing number to identify your bank and your account number to identify your specific account within that bank. This two-number system ensures your money reaches the right account every time. You can verify your American Express Checking routing number on this page and use our generator to create a compliant voided check document.