Digital Banks & Neobanks
Voided Check for Digital Banks
Many app-based accounts do not offer checkbooks, while some employers and payers still request a voided check. Confirm which documents they accept, then use the current account details shown by your provider.
Generate Your Voided CheckGuides for Getting Bank Documents
Document requirements vary by employer, payer, and account. Confirm what the recipient accepts before sharing banking details.
What Are Digital Banks?
Online Banks, Neobanks & Fintechs
Digital banks are financial institutions that operate entirely online — no physical branches, no paper checkbooks. They offer checking accounts, savings, and direct deposit through mobile apps.
App-First Banking
Many app-based providers let customers manage accounts online. Check each provider's current options for paper checks and official account documents.
Partner Bank Model
Most neobanks partner with FDIC-insured chartered banks to hold your deposits. Your routing number belongs to the partner bank — not the fintech brand.
No Physical Checks
Some providers do not offer checkbooks, and document requirements vary by employer or biller. Ask what they accept before creating or sending a document.
How It Works
The Partner Bank & Sponsor Bank Model
Understanding how digital banks work helps explain why your Chime, Cash App, or Venmo account uses a routing number from a bank you've never heard of.
Fintech Provides the App
Companies like Chime, Cash App, and Venmo build the mobile app, debit card, and user experience — but they are technology companies, not chartered banks.
Partner Bank Holds Your Money
An FDIC-insured bank (like Sutton Bank, The Bancorp Bank, or Central National Bank & Trust) acts as the “sponsor” or “partner” bank. Your deposits are held here and insured up to $250,000.
Routing Number = Partner Bank
Your routing number belongs to the partner bank, not the fintech app. This is normal — it's how the Federal Reserve identifies where to route ACH transfers and direct deposits to your account.
Why You Need This
Why Digital Bank Users Need Voided Checks
Even though your bank is digital, the systems that process direct deposits and ACH transfers still rely on traditional banking infrastructure.
Direct Deposit Setup
An employer may request a voided check, its own form, or another document. Ask payroll which option it accepts.
Payroll Enrollment
Use the routing and account details shown by your provider, then follow the payroll team's document and submission instructions.
Automatic Bill Pay
Utility companies, insurance providers, and landlords may request a voided check to set up automatic ACH withdrawals.
Government Benefits
Social Security, tax refunds, and state benefit programs often accept voided checks to set up electronic deposits.
Browse Digital Banks
Generate a Voided Check for Your Digital Bank
Select a bank to view its page. Confirm the routing number against the current details in your financial provider's app before using it.
Have Questions?
Digital Bank Voided Check FAQ
What is a digital bank?
Can I get a voided check from a digital bank?
What is a partner bank or sponsor bank?
Why does my digital bank use a different bank's routing number?
How do I find my digital bank routing number and account number?
Is a voided check from a digital bank accepted for direct deposit?
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