Voided Check for Mortgage

Mortgage lenders frequently request a voided check during the application process and again at closing. Understanding when and why helps you prepare.

Why Mortgage Lenders Need a Voided Check

Lenders use your voided check for two purposes:

1. Account verification — During underwriting, lenders verify that you have an active bank account and confirm the routing and account numbers match your bank statements
2. Automatic payment setup — Most lenders require automatic mortgage payments (autopay) and use your voided check to set up recurring ACH debits

When You'll Need a Voided Check for Your Mortgage

During the Application

Your loan officer may request a voided check along with bank statements, pay stubs, and tax returns as part of the initial documentation.

At Closing

The closing agent or title company may ask for a voided check to set up your first automatic mortgage payment. This is especially common with lenders that require autopay for rate discounts.

After Closing

If you refinance, change bank accounts, or switch to a new servicer, you may need to provide a new voided check.

What Information the Lender Uses

From your voided check, the lender reads:

• Routing number — identifies your bank for ACH transfers
• Account number — identifies your specific account for automatic debits
• Your name — confirms the account holder matches the mortgage applicant

How to Get a Voided Check for Your Mortgage

• From your checkbook — void a blank check with blue or black ink
• Online — generate a voided check on VoidedCheck.com in under 60 seconds
• From your bank — request a counter check at any branch

Tips for Mortgage Voided Checks

• Provide a check from the same account shown on your bank statements
• Make sure the name on the check matches the name on your mortgage application
• If you have a joint account, either account holder's check is typically acceptable
• Keep copies of everything you submit to your lender

Frequently Asked Questions

Is a voided check required for a mortgage?

Not always, but most lenders request one for account verification and autopay setup. Some accept a bank verification letter instead.

Can I use a digital voided check for my mortgage?

Yes. Most lenders accept digitally generated voided checks in PDF or PNG format.

Do I need a voided check for refinancing?

Your new lender or servicer may request one to set up automatic payments on the refinanced loan.

What if my bank account is different from my down payment source?

Lenders may ask for voided checks from multiple accounts if your down payment comes from a different account than your regular banking.

Generate a voided check for your mortgage application →