Can You Cash A Voided Check- Simply Explained In 2024

No, generally you can not cash a voided check at any bank, credit union, or check cashing shore. However, you might be able to cash it depending on what’s written on it.

In case you have a voided check, you might be wondering, can you cash a voided check?

Well, it depends on what is written with Void in the check. So, it can be quite confusing. So, in this post, I will simply explain, can you cash a voided check? If not then what are your options and everything related to voided checks.  

Let’s start by understanding what a voided check is. 

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What Is A Voided Check?

can you cash a voided check

A voided check is a check that is made unusable by writing “VOID” across it in big letters. This is either done by you or your bank so that the check can’t be used to take money out of your account. 

A check is made voided when you make a mistake when writing the check or you’re canceling a check that you have already written. Moreover, Sometimes it is used to give someone your bank account information for electronic transfer without giving them a blank check.

However, sometimes you might get a check where void is written with a condition on it. These checks are widely accepted across financial institutions.  

Can You Cash A Voided Check?

Usually, you can not cash a voided check at any financial institution or grocery store. However,  sometimes you might be able to cash it if there is a condition with void on the check.

Confusing, right?

Well, let me simplify it for you. When VOIDED is written all across the check or there is only VOIDED with no other words then you can not cash it anywhere. No matter where you try all banks including the check issuing bank will not cash it. 

On the other hand, when VOIDED is written with a condition, then you can cash the check by fulfilling the condition. For example, if there is written “VOIDED if not cashed within 10 days” then you have to cash it within 10 days otherwise banks might not cash the check. 

If A Check Says Void After 90 Days Can It Still Be Cashed

Yes, if a check says Void after 90 days then it still can be cashed.

The term “Void after 90 days” indicates this check has an expiry date of 90 days. So, if it is not cashed within 90 days after the check issuing date then it can not be cashed. These checks are used by companies or people to pay for a product or service. 

Moreover, the issuing bank or other financial institutions might cash the check even after 90 days if the payer permits. 

What Happens If Someone Tries To Cash A Voided Check?

It is not possible to cash a voided check. So, banks will not accept voided checks for cashing at all. Moreover, if someone tries to cash a voided check then the bank will hold the person on suspicion of check fraud. 

Even if the banks accept a voided check then they won’t be able to cash it. As a result, the check fund and check cashing fee will be cut from the person’s bank account. 

Why Does My Check Say Void In The Background?

There can be many reasons behind the VOID written behind the check. Here are some of the reasons

  • The check might contain a condition. If there is a condition then there should be written “Void if+ condition”. 
  • There might be an error on the check. That’s why the check is voided. 
  • Someone might try to copy the check on a scanner for check fraud. Some bank checks contain Void written in invisible ink. When someone tries to alter the check the ink becomes visible.  

If you get a check as a payment where only “VOID” is written in the background, contact the payer ASAP and get a new check. Because you might not be able to cash it. 

Can A Voided Check Be Reissued?

A voided check can not be reissued. However, the payer might write a new check if it was voided by mistake. 

When a check is made void, no bank or credit union will accept the check for cashing. It becomes useless. So, it can not be reissued in any way. But if the payer wrote VOID by mistake then ask the payer to write a new check. 

What Can Someone Do With A Voided Check?

A voided check might be used for many reasons except check cashing. Here are some of the instances when a voided check is used. 

  • A voided check can be used to access your bank account information. Because a check contains the routing number and your account number.
  • Voided checks are often used by employers to set up a direct deposit for your salary. 

These are some of the usages of a voided check. 

By now we have found out the answer to can you cash a voided check? Now, let’s look at some of the related queries. 


Here are some of the frequently asked queries related to this topic. 

Will A Bank Accept A Voided Check?

No, a bank will not accept a voided check for cashing under any circumstances. But you can use a voided check to share your bank account detail with the bank. 

How Long Do You Have To Cash A Personal Check?

Usually, personal, business, and payroll checks have an expiry date of 180 days or 6 months. You can cash any check within this time frame. However, sometimes checks contain a 90-day expiry date. You can find the expiry date on the back of the check. 

What Happens If You Don’t Cash A Check Within 180 Days?

If you don’t cash a check within 180 days then the check might get expired. Because most checks have an expiry date of 180 days. In most instances, you can not cash an expired check. Then you might need to ask the payer to issue a new check. 

What Happens If You Deposit An Expired Check?

When you deposit an expired check most banks will not accept i. Even if they accept the check the check amount along with the fees will be cut from your account. If the check gets cleared out by the issuing bank only then the money will be returned to your account. 

Is It Safe To Give A Voided Check?

A voided check should be given only to trusted individuals and entities. Because a voided check contains sensitive information about your bank account. So, a voided check can be used for making a duplicate check containing your bank information. 

In Summary

Voided checks are widely used for sharing bank account information. This can be either used to set up a direct deposit method or receive a payment. However, you can not cash a voided check in any way. Lastly, it is suggested to share a voided check only with people you trust. 

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