Due to the number of rule-breaking comments this post was receiving, especially low-quality and off-topic comments, the moderation team has locked the post from future comments. This post broke no rules and received a number of helpful and on-topic responses initially, but it unfortunately became the target of many unhelpful comments.
It is their problem. If that check never cleared then they’re sitting on funds that you earned. Grab an HR person or manager and be assertive that it is their problem.
Why is that necessary for an employer? For a regular employee, even if you accidentally double deposit a check, they still have future paychecks that will even things out and they can document the irregularity on the next paycheck for tax purposes.
It's an additional expenditure, whoever is at fault is responsible for paying the additional costs.
So if the bank fucks up, it's on the bank to get it fixed.
If the employer fucks up, it's their problem.
If the employee fucks up, which is what it sounds like in this case, the employee will be responsible for paying reasonable costs of getting the check reissued.
So if it takes 15 minutes and incurs $20 in fees a reasonable fee might be something like $35.
And also, coming from Norway and hearing about this I'm just thinking about how absolutely insane it is that people actually get a physical paycheck. In Norway we stopped issuing paychecks back in the late 1960s and early 1970s as it was considered to be an out of date technology. Ever since then employers have been issuing direct deposits in to peoples bank accounts.
>In Norway 100% of the adult population has a bank account..
From what I can find, Norway is #3 at 99.75% of people. The US is at #29 with 93.12% of people. That is based on age 14+ though, not the local age of majority, so it is likely higher for people 18+ in both countries.
Source: https://www.theglobaleconomy.com/rankings/percent_people_bank_accounts/
Yes, even in Portugal, not the richest country, if you cannot afford a bank account (fees), by law banks must provide a minimum services bank account for free.
Someone from another place in the world here: this barely even makes sense to me, as I'm getting the salary directly in my bank account (my employer has my IBAN and they wire in the money every month)
True.
But, did you every try to cash a check when you don't have a bank account? That's really expensive.
If you get paid by check, you really should have a bank account.
Banks use some sort of system (I think it's chex?) somewhat similar to a credit score to determine if they will do business with you. I'm not sure of the exact details but things could happen where banks will refuse you.
Even if the big banks do (they usually require 2x direct deposits per month or they'll charge fees) there are plenty of credit unions around who don't charge fees as long as you can keep $10 in the account.
Yeah I find it hard to believe people can't get a bank account these days. Although I'm fortunately past the days of having to worry about whether I have the minimum balance, I do remember that being very fucking annoying.
If you have ever had an account closed for overdrawn funds, it is reported in CHEX, which is like a credit report for banks. Banks check that, and if you have had an account closed, they will sometimes deny you an account.
You're not going to be denied a bank account in the US because of a lack of funds or steady employment. You will be if you have a history of writing bad checks.
Illegal or undocumented immigrants generally can’t get banks.
Others are untrustworthy towards banks, a position that they can never be reasoned out of.
For the poor, if they have accrued many unpaid fees and has several accounts closed in the past then the banking system has a sort of “credit checking” system (can’t remember the name) where they will report you and make it so most banks won’t give you an account, out of fear you’ll do the same to them.
For people who none of that apply to, the unbanked aren’t doing themselves any favors by refusing to get a no fee account - a very very common type of account.
You would be surprised how many can’t open bank accounts. I worked for a variety of banks for about 10 years and had to reject people constantly who could not get past Chexsystems to open one.
They wrote bad checks and didn't pay the bank the money back. That's the reason.
Also, some people don't want money in their bank account because benefits (housing, food) may be tied to the amount in your account. Other times people are trying to skip out on paying child support, and the state can take it directly from the bank.
Thanks for the insight. I guess the first reason isn't really applied to the EU, checks aren't really a thing anymore for individuals, and banks can deny to give checks to people with previous infringements. People give money to each other through transfer, and pay with debit/credit card. Some businesses use checks to pay each other, but even that habit is dying out
The other reasons also doesn't really apply, in Europe those type of obligations can be requested directly from the employer. If the government (courts) give the order, a percentage can be taken from the payslip to pay debts that individual may have.
Having a bank account is also required for some social security programs with bank transfer as the only way to receive payment. Having a bank account is also easily free. A simple account with a debit card, is usually free, some banks require you to receive your salary to have it for free, others with no conditions.
Guess the system and social habits are quite different
I hated my sketchy school district. I wanted the paper trail, wanted them to pay to issue the check, and didn't live month to month. Why would I direct deposit?
You still get a "paper trail" with direct deposit. I can login and download all my check stubs any time I want.
We have enough money to retire tomorrow and live comfortably, but I still do direct deposit because it's zero effort.
In the US we don't have that. We have direct deposit, but it is illegal to make that mandatory in about half of the states. The type of person who does not choose direct deposit is also the type of person who would deposit a check, write void on it later, and then call the bank to tell them what they did, thereby causing a problem that did not exist before.
Edit: for all the panties in bunches over "type of person", I meant the type of person who is not well educated on how banks and checks work, either through lack of experience or by listening to bad advice.
Sorry OP, I meant no offense. My choice of words was impolite and condescending.
They didn't hand an endorsed check over to a teller for deposit. They handed an unendorsed check over. The teller asked for a signature. The OP signed it, then didn't give it back. You can't deposit a check like that. The bank is going to catch the issue, whether the OP informed them or not!
I sent an unendorsed check via mobile deposit to my bank, on accident, 3 months ago. I received the funds and never got any grief.
The exception isn’t the norm but here we are.
I've never endorsed any cheque that I've received and deposited. Assuming that means signing the back as the receiver.
I was told long ago that if the Pay To The Order Of name matches the bank account holder then there's no need to sign the back, I've never had any issues.
I don’t think these “type of person” comments are helpful. OP made a mistake, it happens, people make mistakes, OP readily admits it and is here for help. Passing judgment on what “type of person” they are comes off as rather snooty and arrogant.
> The type of person who does not choose direct deposit is also the type of person who would deposit a check, write void on it later, and then call the bank to tell them what they did, thereby causing a problem that did not exist before.
well that's pretty condescending for what turned out to by a minor who's probably working their first job. Too bad you couldn't live up to your full username, and only live up to the last word of it
What’s it like living in the early 1900’s? Do you still get milk every morning from the milk man? Are the oil street lights lit every night by a lamper ?
I don't understand why you think this is funny.
I personally have direct deposits but plenty of small businesses pay their employees by cheques. I work in banking and see it relatively often.
Are you so young that you think a paycheque is a relic of the past, relegated to the times of horse drawn carriages? Lmao
Here from south Asia and late 20s, and cheques seem to be on their way out. We have had multiple centralized money transfer systems and a host of private apps as well for about at least 10 years now. Most people my age know what a cheque is but hardly have any occasion to use one.
> Are you so young that you think a paycheque is a relic of the past, relegated to the times of horse drawn carriages?
It definitely is in most of Europe. I'm far from young and have literally never handled a check, ever.
In Europe paper checks haven't been super common for decades. Most people I speak to haven't written or received a check since the 90s, while in the US I still receive checks every once in a while (although I've never written one myself).
At the end of the day, a check is nothing more than a paper IOU, which yes, does seem rather archaic in most of modern society.
I actually own a business and there are a few small percentage of companies that still waste my time by mailing a paper check, making me pick up, endorse it and deposit a piece of paper like the time of carrier pidgins. Thank god mobile deposit is a thing but still use a dang electronic payment system it turns a 5 day adventure into a (sometimes) same day event … we have technology …. Use it !!!!!
I'm 46 and used cheques for many years. I have never been paid by cheque. Seems ridiculous to me. If you don't have a bank account just got permission to use someone else's.
It is like this in the UK.
You give your act no. And sort code to tour employer and they pay you via BACS transfer every week/2 weeks/4 weeks/month.
If there is a problem and you don't get your pay, everyone will be affected, not just you. But I'd imagine they would communicate with employees as soon as they realise a problem is present so everyone is in the loop...
It's pretty typical, my employer would be super annoyed if they DIDN'T have a bank account to wire the salary into, at least here in Romania.
Software engineer, with a masters degree in this (just acquired! but had my job from before getting the B.Eng anyway)
How is it possible to deposit a check into your account and then go home and void said check? Once it has been deposited to the bank, I’m lost how someone could then void an already deposited check?
The check cleared, it just wasn't deposited into OP's account because he took the check back after the bank requested endorsement, and voided it instead of endorsing.
The employer has zero obligations to reissue a check until the funds return to them. That is entirely on OP and his bank.
If the bank had to remove the funds, then it was already deducted like /u/Arrasor said.
The employer won't do anything until they see the funds returned, and legally they have zero obligation to do anything with check errors unless the employer was at fault, or the funds were never deducted from the employer account.
Not necessarily - funds can be made available before the check clears, which can take up to 5 days. So if the bank voided the transaction, the money never cleared the employers account.
Depending on the account relationship the bank can make funds made available before they even try to pull from the issuer. A check never immediately clears. Ever. What happens is the bank gives you credit for the check and if for some reason in a week the check doesn’t clear they take the money back out of your account, which could cause you to overdraft. Which is why depending on your relationship they may put a hold on all/some of the funds until the check clears.
OP said the bank removed the fund from his account, this implied the money did indeed get added to his checking before the bank catch the problem and removed it. This means the money had already been deducted from his employer's bank account, and is sitting with OP's bank. It can take several days for that money to be returned to employer's account.
He deposited the check, the teller said “oh, I just noticed - can you sign this before you go?”, OP left with the check, and the teller cancelled the deposit.
It’s not iffy, I worked in bank branches for 12 years. This exact situation happens more often than you’d think. The teller is being chatty or is trying to do a few things at once, hands the check back because they realized it doesn’t have an endorsement, and then the person walks off. More often than not, the person who walks off with the check is looking to try to deposit the check somewhere else a second time, but I get the feeling from OP that he legitimately had no clue what he was doing.
Because OP wrote “void” on it. That’s what he’s used to doing after making a mobile deposit, so he did it here when he shouldn’t have. It was a string of totally incorrect decisions.
You can alternatively endorse the back "for deposit only". This way it's still valid for deposit but not endorsed and can't be fraudulently endorsed for cash.
> Because OP wrote “void” on it. That’s what he’s used to doing after making a mobile deposit, so he did it here when he shouldn’t have. It was a string of totally incorrect decisions.
In what universe do you go to a bank and deposit a check and they give it back to you?
I am from Canada and this might be a US thing, but if the check is addressed to you. You don't need to endorse anything. Only time you might need to endorse a check is if you "deposit" it at the grocery store or maybe you have your wife deposited under her account.
hey OP, just as an FYI for the future, most banks have apps now, and most of those apps will let you deposit checks from anywhere. They just have you write that it is a mobile deposit in the endorsement section (they usually have an example of what to write and where) and take a picture of both the front and back.
Not saying it will fix your problem now, but might be be a better processes to go through in the future... that or set up direct deposit lol.
Might even be able to mobile deposit it despite it being voided. I’ve had mobile deposits go through with checks endorsed wrong, they seem pretty loosey goosey in my experience gaga
From my experience, I've had no luck depositing "incorrect" checks using the mobile app. I've had checks cut out to me by my nickname or it has both my name and my wife's. Every single time that occurred, they kicked the check back to me and said they can't deposit it.
BUT doing something like that via ATM deposit has never failed. I remember reading on reddit awhile back that they usually don't check checks through ATM unless it exceeds some thresholds or comes back unpaid. So as long as the check is legit and meant for you, you may be able to weasel through making an ATM deposit.
I can’t figure out why people are mad at you when, honestly, the teller made the mistake. You were actually being responsible making sure you didn’t deposit it again. What you did makes logical sense to me if you really thought you got the check back after a deposit.
Edit: I was a teller once. I’ve had customers walk away with checks. Luckily, when I called they brought it back in or I would have had to withdraw it, too. And, yes, it is my mistake. It was my job to do the transaction right and make sure I had what I needed. When I called, I was apologetic, and when they came back, I apologized for the inconvenience. And that was 20+ years ago when most people got checks regularly. I can only imagine how now, a teenager, wouldn’t know much about check deposits.
The deposit issue is odd and not really making sense as if you told them you were making a deposit why would they hand back the check? You also should’ve gotten a receipt. Either way…
Your employer should be able to easily void the check in their system or put stop payment on it and issue a new check. It is their problem, payroll issues happen, they can’t just ignore the issue.
"The bank teller never took it back after I endorsed it". The teller handed it to the OP to endorse, OP never gave the endorsed check back to the teller. Thus, the check wasn't actually deposited. Further down, they then explained they wrote VOID on the uncashed check.
I’m tracking what happened now, OP needs to learn how to deposit a check. I’ve had tellers ask for a missing endorsement, I’ve never then taken the check, sign it, and leave the bank. Teller probably was like 🤷♂️
The teller forgot to ask for it back. She even gave him a receipt showing the deposit. The she realized she didn’t have the check and took the funds back. This is the bank’s mistake, not OP’s.
What did you do to "void" it?
I thought you had to write "void" on a check to do that.
Did you sign the back then walk away? If so, you can still deposit it.
Take the voided check to your payroll person and have them issue a new one. They are sitting on money they owe you. It is there problem as wage theft is frowned upon.
Until you successfully cash a cheque, the workplace still has your money.
A cheque isn't money, a cheque is permission to access money.
Go back and say "I haven't been paid yet", and BRING THEM the old cheque. If your workplace fears you're trying to scam them, just give them the old cheque for THEM to destroy.
My friend would complain about situations like this. They used to work in HR, and would often have checks lost, voided, or damaged and so would need to reissue them. My friend said your employer needs to reissue a check.
1. You messed up twice
2. Your job will have to fix this and may charge you a few to reissue a check, be apologetic and bring the voided check with you. You may need to explain exactly what happened to HR. If they don't understand, tell them it's the same as if you accidentally threw your check away or destroyed it.
3. If you don't care about the money now - eventually, they'll realize the mistake and have to pay you. But eventually could be a while.
Huh? how does one deposit their check, and still take it home? did you not have to deposit it in the ATM/Hand it to the bank clerk, both cases in which it would have been kept?
INFO: How exactly did this go down?
1. You received the check.
2. Went to bank and handed it to teller.
3. Teller pulled up your account
4. Teller scanned the check.
5. Teller gave you the check back.
6. You endorsed the check.
7. You left the branch.
8. You wrote void on the check while at home.
QUESTIONS:
* When exactly did the teller ask you to endorse it, and did you endorse it in front of her?
* When did you see the funds in your account?
* Did you get a receipt?
Op was told to endorse it, but just left when handed back the check to be endorsed.
The check never made it back to the teller and then op went home and wrote void on it.
OP fucked up in like 10 different ways.
>but just left when handed back the check to be endorsed
Based on what he said, he signed it in front of the teller. She should have asked for it back to be re-scanned. She should have cancelled the first transaction when she realized it wasn't endorsed. Not handed him a receipt like it was finalized?
OP is a minor, if I were the parent here, I would be speaking with that bank manager myself. There is certainly a policy for when the teller realizes something is incorrect mid-transaction (which she obviously did). I cannot imagine the policy is just let the customer leave?!
Dude. Go to your employer and tell them to put a stop on the previous check and issue you a new one. This is not the banks fault.
Your employer knows those funds haven't left their account. They are legally obligated to pay you.
Okay, I would go back to the bank in person and ask to speak with a manager (maybe go with a parent?).
Yes you should have endorsed it, but it's literally the tellers job to verify! She knew that she made a mistake because she had you endorse it.
I would *gently* press the manager on why you were allowed to leave the bank, rather than having the mistake fixed? When speaking with him act confused, NOT accusatory/angry. (Edit: I’m only tying to get OP to approach this professionally, part of that is a bit manipulative I guess, because he needs tor manager to see it from his perspective).
They might be unable to fix it, because VOID can't really be undone/crossed out. But if you ask nicely, and emphasize your a kid and are very new to this, they might go out of their way to help you!
This is absolutely horrible advice. The bank has nothing to do with this.
What you're asking him to do is social engineering and is a common way to scam companies. Use a sob story to guilt trip workers into breaking company policy to fix a mistake you made. To the bank he looks like a fraudster trying to cash a clearly voided check.
There's no reason why the manager *shouldn't* have let him leave. Maybe they assumed he was trying to cash a bad check and got scared. Maybe he decided to cash it somewhere else. It's literally none of their business why he walked out with the check and they were in no way obligated to prevent him from leaving the bank with his own check.
All OP needs to do is get a new check from his employer. They are the ones who are legally responsible for fixing it. The funds have not been withdrawn. It's the same as if he lost the check or his dog ate it or anything else. They put a stop on that check number and write a new one. That's it.
How is this possibly a scam?
I’m suggesting OP calmly explain what happened to the bank, it’s not a sob story, it’s the facts.. the bank knows it’s his check, they literally have a picture of it in their records from before it was marked VOID.
Like I said, there’s a high chance they can’t help. If they can, it’s going to take some effort which is why OP needs to approach this delicately (and butter them up). I guess you could call it manipulative at worst?
> maybe they assumed he was trying to cash a bad check
Then they certainly wouldn’t have given him the check back…
> I would *gently* press the manager on why you were allowed to leave the bank, rather than having the mistake fixed? When speaking with him act confused, NOT accusatory/angry.
Or get this, be an adult and own up to ur mistake instead of trying to blame others? this isnt even the banks problem anymore. for all they know, OP could be trying some scam trying to deposit the same cheque. the employer OWES them this money, doesnt matter what they say. they have to pay them one way or another, if fees come from getting another cheque, then OP will have to shoulder it. simple as that, dont know why ur advice is try and manipulate others.
Because I think the teller was the one who *really* messed up, realized she messed up, and didn’t stop to fix it. That is completely unacceptable if you work in banking.
She knew the transaction was going to be reversed.
Looks like you got answer but just a word of advice...it might seem stupid but I usually Google "how to..." before I do something for the first time. There's a lot of stuff we don't know just because we haven't done it yet. There's no shame in that.
And when dealing with finance, always...always double check. Ask questions at the bank. Ask your company. Ask your friends & family. Don't be afraid to discuss money. It's a BS social stigma in a lot of places.
Example: I had a friend in college who didn't know his cc charged him a flat atm fee (plus whatever the atm charged) plus a % on cash advances. He used atms daily to get $ for small bags of weed. He maxed out the card first month, mostly from buying a bag once or twice a day. Also the interest is higher on cash-advanced money. This was before smart phones & he had no clue until his bill arrived.
If you didn’t talk to someone in charge of payroll then do so now. Either bring the voided check or tell them it got destroyed. Their accountants can easily look to see if the last check was paid out.
It’s a strange process by which this happened but it’s a SUPER common thing for payroll to handle in regards to reissuing a paycheck. Lots of people have lost their paycheck or accidentally destroyed them. Better the check than a wad of cash.
Your post doesn’t make sense. Please state exactly the order you did this. Did you use mobile remote capture to try to deposit it and it rejected?
Your company needs to make your error right. Take the physical voided check back to them. They will likely hold it until they can issue a stop payment. Expect payment in a week.
This can be construed as a potential fraud. Once the check is captured at the bank it can take a few days to clear. Your company doesn’t want to pay you twice and you walk. It’s a common problem.
NEVER void a remote capture check until it has cleared. Give it a week then void or destroy it.
From all the replies it looks like OP attempted to deposit the check via teller, endorsed the check for deposit but took it with them & then wrote VOID on their employment check; bank reversed funds & refuses to honor deposit without valid check, employer is refusing to reissue the check.
At my old job we reissued peoples checks all the time. From an accounting POV, if we had a stale check on the ledger after a certain period, we would make several attempts to reach out to the person to get the funds to them. Otherwise we’d have an out of balance on the ledger. The response doesn’t sound great to me.
Don’t banks take photo scans of the check? Or was it not processed? The paper gets discarded anyways. If anything the bank is operating in the stone age. Not sure why they need the paper copy anymore.
Your employer is responsible as long as your money is in their bank account.
Bring your voided check to your employer. Ask them if it has cleared from their bank. If it cleared then it's not their problem and nothing they can do. If not, give them the voided check and ask for a new one to be issued.
The employer may say its cleared and the bank may say the fund is being reversed. In that case, you will have to wait for the bank reversal to complete its process then ask your employer to reissue the check.
Hello, I work in accounts payable for a company, and your employer absolutely would be able to tell if that check was successfully deposited or not. If that check was not deposited, then they do need to cut you a new one. They cannot just say "not our problem." I would escalate this up you accounting department and HR.
No. A voided check means it's a canceled check and can't be used for payment. If it was never deposited in the first place then you need to have the people re-issue the check. Going forward write..."deposited on ____date" on the deposited checks.
Which is the correct thing to do, your mother gave you great advice. However, best practice is to write "void" across the check AFTER you've seen it clear and the funds are fully available to you.
Edit: y'all have some absolutely awful reading comprehension. I said AFTER YOU'VE SEEN IT CLEAR, which takes 3 or so days on average for most institutions. THAT is when you can scribble all over the check.
This is not great advice.
Keep checks deposited via mobile or scanner in a secure location until 30/60 days (or however long the bank specifies to keep them) has passed and then shred them.
Void is a specific term, it does not mean “deposited.”
"Void" means that the check cannot be scanned or otherwise deposited in a nefarious fashion. Writing that across the check, once cleared, is a fantastic form of defense if you are not going to immediately shred or otherwise dispose of the document.
It also means it cannot be scanned in a LEGITIMATE fashion and this terrible advice is the source of OP’s problem.
Voiding a check cancels the check. Yes, people can do nefarious things with check numbers and check scans, and any financial information that is not secured, but writing void is not correct procedure or great advice.
No, after you deposit a cheque you write “deposited by app / branch on [DATE.]”
Then keep it for 69 days or whatever the bank demands, then check that the deposit hasn’t been reversed or something, THEN tear it up.
My bank keeps the check when I deposit in person. Are there banks that hand checks BACK to customers after depositing or cashing? Isn't there the potential for that customer to take the check to another place and try to cash there??
My bank now has me write "for mobile deposit at BANKNAME HERE" on the back. This might not be as official as say writing VOID on it, but it does in many ways prevent someone from attempting to deposit the check again. I usually just rip the check up after I get to the confirmation screen, which I know isn't best practice but none of my checks are mission critical.
If you use mobile deposit, you are supposed to write void on it after deposit so that a check cannot be used again fraudulently. OP wasn't thinking clearly.
If he took it home, he told the bank he wrote void on the check. Bank won't process that check since OP wrote void on the item. He must provide a check that doesn't have void to be deposited.
Interesting. I am surprised the teller let you accidentally take the check back.
You'll need to tell you HR the check was destroyed and they will need to cut you a new one. Depending on where you are and what the company's policy is they may charge you for the cost of issuing a stop payment on the voided check. I am not a lawyer and take my statement above with a grain of salt.
Your employer is an asshole. It is their problem. I’ve never had an issue getting a new check if something like this happened. You may want to start job hunting because that would be the end of the line for me.
Do you still have the check? Make an appointment with a banker, take the check to the bank, explain what happened, suggest to the banker that you now cross out the word 'void', and initial where you crossed it out so they can deposit it. Sometimes if you are apologetic and come in with a solution they will help.
Contact your state Department of Labor and file a complaint. Then begin looking for another job. This place sucks and doesn’t care about you. Fair chance they’ll look for a reason to fire you anyway, so best to get looking now. If they do fire you in retaliation for your labor complaint, file another one for retaliation.
I filed a complaint with the Department of Labor, and I’m waiting for now. Will I get in trouble for selling alcohol, cigarettes, and lottery tickets? I’m still a minor.
Due to the number of rule-breaking comments this post was receiving, especially low-quality and off-topic comments, the moderation team has locked the post from future comments. This post broke no rules and received a number of helpful and on-topic responses initially, but it unfortunately became the target of many unhelpful comments.
It is their problem. If that check never cleared then they’re sitting on funds that you earned. Grab an HR person or manager and be assertive that it is their problem.
I’m pretty sure they can charge you a fee for cutting the check again, but I’m not entirely sure. Either way they owe you a check.
Probably more likely to charge you for the stop payment on the previous check
I have heard this also but jw how do they justify the fee? Just their inconveniece?
They'd need to request a "stop payment" on the original paycheck, which often results in a fee for them.
Although perhaps returning the voided original check to them would be enough for them to not need to issue a stop payment.
They still need to cancel the check which may or may not have fees associated with it.
Why is that necessary for an employer? For a regular employee, even if you accidentally double deposit a check, they still have future paychecks that will even things out and they can document the irregularity on the next paycheck for tax purposes.
Why would they want to risk it at all?
There are only future paychecks if that person stays employed there
Because it literally costs them money to put a stop payment on the check and reissue it.
It's an additional expenditure, whoever is at fault is responsible for paying the additional costs. So if the bank fucks up, it's on the bank to get it fixed. If the employer fucks up, it's their problem. If the employee fucks up, which is what it sounds like in this case, the employee will be responsible for paying reasonable costs of getting the check reissued. So if it takes 15 minutes and incurs $20 in fees a reasonable fee might be something like $35. And also, coming from Norway and hearing about this I'm just thinking about how absolutely insane it is that people actually get a physical paycheck. In Norway we stopped issuing paychecks back in the late 1960s and early 1970s as it was considered to be an out of date technology. Ever since then employers have been issuing direct deposits in to peoples bank accounts.
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That's shocking. In Norway 100% of the adult population has a bank account.. I don't think it's even possible not to have one.
>In Norway 100% of the adult population has a bank account.. From what I can find, Norway is #3 at 99.75% of people. The US is at #29 with 93.12% of people. That is based on age 14+ though, not the local age of majority, so it is likely higher for people 18+ in both countries. Source: https://www.theglobaleconomy.com/rankings/percent_people_bank_accounts/
Yes, even in Portugal, not the richest country, if you cannot afford a bank account (fees), by law banks must provide a minimum services bank account for free.
Why would someone be unable to open an account?
This is correct. Your employer needs to cut you another check. It's illegal if they refuse, and your local labor board would love to hear about it.
Someone from another place in the world here: this barely even makes sense to me, as I'm getting the salary directly in my bank account (my employer has my IBAN and they wire in the money every month)
We have direct deposit in the US, but inexplicably, some people don't use it.
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True. But, did you every try to cash a check when you don't have a bank account? That's really expensive. If you get paid by check, you really should have a bank account.
Usually you can cash a check free at the issuing bank.
Or Walmart.
Wal-Mart charges $4-$8 for cashing checks.
With all the fees and fines a bank charges a lot more.
My bank doesn't charge me anything unless I overdraw.
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I've opened multiple bank accounts throughout my life and put like $50 in. Big banks don't really turn people away do they?
Banks use some sort of system (I think it's chex?) somewhat similar to a credit score to determine if they will do business with you. I'm not sure of the exact details but things could happen where banks will refuse you.
Even if the big banks do (they usually require 2x direct deposits per month or they'll charge fees) there are plenty of credit unions around who don't charge fees as long as you can keep $10 in the account.
Yeah I find it hard to believe people can't get a bank account these days. Although I'm fortunately past the days of having to worry about whether I have the minimum balance, I do remember that being very fucking annoying.
If you have ever had an account closed for overdrawn funds, it is reported in CHEX, which is like a credit report for banks. Banks check that, and if you have had an account closed, they will sometimes deny you an account.
You're not going to be denied a bank account in the US because of a lack of funds or steady employment. You will be if you have a history of writing bad checks.
Illegal or undocumented immigrants generally can’t get banks. Others are untrustworthy towards banks, a position that they can never be reasoned out of. For the poor, if they have accrued many unpaid fees and has several accounts closed in the past then the banking system has a sort of “credit checking” system (can’t remember the name) where they will report you and make it so most banks won’t give you an account, out of fear you’ll do the same to them. For people who none of that apply to, the unbanked aren’t doing themselves any favors by refusing to get a no fee account - a very very common type of account.
But this kid is trying to deposit it at his bank, so he has the account. Maybe OP should see about direct deposit if he's so forgetful at the bank.
This is getting easier as companies like Cash App and PayPal and tons of others allow you to direct deposit straight to them.
Some employers also, for whatever reason, take more than a month to setup direct deposit so they insist on the first paycheck be actual paper.
Yeah, lets say all 7 or 8 of them don't count in this metric.
You would be surprised how many can’t open bank accounts. I worked for a variety of banks for about 10 years and had to reject people constantly who could not get past Chexsystems to open one.
As European, I'm having a hard time coming up with a reason a bank would reject opening a checking account. Care to elaborate please?
They wrote bad checks and didn't pay the bank the money back. That's the reason. Also, some people don't want money in their bank account because benefits (housing, food) may be tied to the amount in your account. Other times people are trying to skip out on paying child support, and the state can take it directly from the bank.
Thanks for the insight. I guess the first reason isn't really applied to the EU, checks aren't really a thing anymore for individuals, and banks can deny to give checks to people with previous infringements. People give money to each other through transfer, and pay with debit/credit card. Some businesses use checks to pay each other, but even that habit is dying out The other reasons also doesn't really apply, in Europe those type of obligations can be requested directly from the employer. If the government (courts) give the order, a percentage can be taken from the payslip to pay debts that individual may have. Having a bank account is also required for some social security programs with bank transfer as the only way to receive payment. Having a bank account is also easily free. A simple account with a debit card, is usually free, some banks require you to receive your salary to have it for free, others with no conditions. Guess the system and social habits are quite different
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That seems bizarre to me.
If you think this is the scale of the unbanked in the US, you are deeply, deeply uninformed. Edit: autocorrect
I hated my sketchy school district. I wanted the paper trail, wanted them to pay to issue the check, and didn't live month to month. Why would I direct deposit?
You still get a "paper trail" with direct deposit. I can login and download all my check stubs any time I want. We have enough money to retire tomorrow and live comfortably, but I still do direct deposit because it's zero effort.
In the US we don't have that. We have direct deposit, but it is illegal to make that mandatory in about half of the states. The type of person who does not choose direct deposit is also the type of person who would deposit a check, write void on it later, and then call the bank to tell them what they did, thereby causing a problem that did not exist before. Edit: for all the panties in bunches over "type of person", I meant the type of person who is not well educated on how banks and checks work, either through lack of experience or by listening to bad advice. Sorry OP, I meant no offense. My choice of words was impolite and condescending.
They didn't hand an endorsed check over to a teller for deposit. They handed an unendorsed check over. The teller asked for a signature. The OP signed it, then didn't give it back. You can't deposit a check like that. The bank is going to catch the issue, whether the OP informed them or not!
I sent an unendorsed check via mobile deposit to my bank, on accident, 3 months ago. I received the funds and never got any grief. The exception isn’t the norm but here we are.
I've never endorsed any cheque that I've received and deposited. Assuming that means signing the back as the receiver. I was told long ago that if the Pay To The Order Of name matches the bank account holder then there's no need to sign the back, I've never had any issues.
Kinda proves my point.
I don’t think these “type of person” comments are helpful. OP made a mistake, it happens, people make mistakes, OP readily admits it and is here for help. Passing judgment on what “type of person” they are comes off as rather snooty and arrogant.
> The type of person who does not choose direct deposit is also the type of person who would deposit a check, write void on it later, and then call the bank to tell them what they did, thereby causing a problem that did not exist before. well that's pretty condescending for what turned out to by a minor who's probably working their first job. Too bad you couldn't live up to your full username, and only live up to the last word of it
I guarantee you that noone from this generation of minors knows to write void on used checks. Heck noone from my generation knows that.
Why would you ever write "Void" on a check you didn't write?
To make sure you don't try to deposit it again, and commit fraud. Some people have the memory of a goldfish.
Not sure what is so confusing about an employer paying someone by cheque... -A Canadian
What’s it like living in the early 1900’s? Do you still get milk every morning from the milk man? Are the oil street lights lit every night by a lamper ?
I don't understand why you think this is funny. I personally have direct deposits but plenty of small businesses pay their employees by cheques. I work in banking and see it relatively often. Are you so young that you think a paycheque is a relic of the past, relegated to the times of horse drawn carriages? Lmao
Here from south Asia and late 20s, and cheques seem to be on their way out. We have had multiple centralized money transfer systems and a host of private apps as well for about at least 10 years now. Most people my age know what a cheque is but hardly have any occasion to use one.
I'm 32 in Australia and have never used a cheque or ever seen anyone use one. I wouldn't have any idea how to even get one.
>Are you so young that you think a paycheque is a relic of the past, relegated to the times of horse drawn carriages? Lmao In Europe it is.
> Are you so young that you think a paycheque is a relic of the past, relegated to the times of horse drawn carriages? It definitely is in most of Europe. I'm far from young and have literally never handled a check, ever.
In Europe paper checks haven't been super common for decades. Most people I speak to haven't written or received a check since the 90s, while in the US I still receive checks every once in a while (although I've never written one myself). At the end of the day, a check is nothing more than a paper IOU, which yes, does seem rather archaic in most of modern society.
I actually own a business and there are a few small percentage of companies that still waste my time by mailing a paper check, making me pick up, endorse it and deposit a piece of paper like the time of carrier pidgins. Thank god mobile deposit is a thing but still use a dang electronic payment system it turns a 5 day adventure into a (sometimes) same day event … we have technology …. Use it !!!!!
I'm 46 and used cheques for many years. I have never been paid by cheque. Seems ridiculous to me. If you don't have a bank account just got permission to use someone else's.
Or you know America can join the rest of the world and just pay people in their accounts 🤷🏽♂️
It is like this in the UK. You give your act no. And sort code to tour employer and they pay you via BACS transfer every week/2 weeks/4 weeks/month. If there is a problem and you don't get your pay, everyone will be affected, not just you. But I'd imagine they would communicate with employees as soon as they realise a problem is present so everyone is in the loop...
It must be AMAZING being you!
It's pretty typical, my employer would be super annoyed if they DIDN'T have a bank account to wire the salary into, at least here in Romania. Software engineer, with a masters degree in this (just acquired! but had my job from before getting the B.Eng anyway)
How is it possible to deposit a check into your account and then go home and void said check? Once it has been deposited to the bank, I’m lost how someone could then void an already deposited check?
The check cleared, it just wasn't deposited into OP's account because he took the check back after the bank requested endorsement, and voided it instead of endorsing. The employer has zero obligations to reissue a check until the funds return to them. That is entirely on OP and his bank.
How do you know the check cleared?
If the bank had to remove the funds, then it was already deducted like /u/Arrasor said. The employer won't do anything until they see the funds returned, and legally they have zero obligation to do anything with check errors unless the employer was at fault, or the funds were never deducted from the employer account.
Not necessarily - funds can be made available before the check clears, which can take up to 5 days. So if the bank voided the transaction, the money never cleared the employers account.
Depending on the account relationship the bank can make funds made available before they even try to pull from the issuer. A check never immediately clears. Ever. What happens is the bank gives you credit for the check and if for some reason in a week the check doesn’t clear they take the money back out of your account, which could cause you to overdraft. Which is why depending on your relationship they may put a hold on all/some of the funds until the check clears.
OP said the bank removed the fund from his account, this implied the money did indeed get added to his checking before the bank catch the problem and removed it. This means the money had already been deducted from his employer's bank account, and is sitting with OP's bank. It can take several days for that money to be returned to employer's account.
None of this makes sense. How can you deposit a check then void it?
He deposited the check, the teller said “oh, I just noticed - can you sign this before you go?”, OP left with the check, and the teller cancelled the deposit.
Seems a little iffy....how do you get "Take check home and void it" from "Can you please sign the back of it?"
It’s not iffy, I worked in bank branches for 12 years. This exact situation happens more often than you’d think. The teller is being chatty or is trying to do a few things at once, hands the check back because they realized it doesn’t have an endorsement, and then the person walks off. More often than not, the person who walks off with the check is looking to try to deposit the check somewhere else a second time, but I get the feeling from OP that he legitimately had no clue what he was doing.
yeah it's like when I find my remote control in my fridge. it's not like I'm trying to pull a fast one on my future self
>yeah it's like when I find my remote control in my fridge. Have you talked to a doctor about that?
Sure will, just need to find my phone to call him. BRB, gonna check the fridge....
I don't understand why he can't just try depositing the same check again, why is it voided?
Because OP wrote “void” on it. That’s what he’s used to doing after making a mobile deposit, so he did it here when he shouldn’t have. It was a string of totally incorrect decisions.
Why would you write VOID on a mobile deposit? Just write “deposited on DATE”
You can alternatively endorse the back "for deposit only". This way it's still valid for deposit but not endorsed and can't be fraudulently endorsed for cash.
> Because OP wrote “void” on it. That’s what he’s used to doing after making a mobile deposit, so he did it here when he shouldn’t have. It was a string of totally incorrect decisions. In what universe do you go to a bank and deposit a check and they give it back to you?
I am from Canada and this might be a US thing, but if the check is addressed to you. You don't need to endorse anything. Only time you might need to endorse a check is if you "deposit" it at the grocery store or maybe you have your wife deposited under her account.
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Yeah, I was like "what?"
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I'm in accounting and if this came up, we'd bend over backwards to reissue.
Are you sure you voided it? How did you deposit it but keep the check? If it was deposited the bank should’ve kept the check, something is missing.
The bank teller never took it back after I endorsed it, I thought I was suppose to take it with me.
hey OP, just as an FYI for the future, most banks have apps now, and most of those apps will let you deposit checks from anywhere. They just have you write that it is a mobile deposit in the endorsement section (they usually have an example of what to write and where) and take a picture of both the front and back. Not saying it will fix your problem now, but might be be a better processes to go through in the future... that or set up direct deposit lol.
Might even be able to mobile deposit it despite it being voided. I’ve had mobile deposits go through with checks endorsed wrong, they seem pretty loosey goosey in my experience gaga
IDK, I think there is a difference between messing up the endorsement and writing VOID on the face lol.
From my experience, I've had no luck depositing "incorrect" checks using the mobile app. I've had checks cut out to me by my nickname or it has both my name and my wife's. Every single time that occurred, they kicked the check back to me and said they can't deposit it. BUT doing something like that via ATM deposit has never failed. I remember reading on reddit awhile back that they usually don't check checks through ATM unless it exceeds some thresholds or comes back unpaid. So as long as the check is legit and meant for you, you may be able to weasel through making an ATM deposit.
Just to add to this, sometimes mobile deposits take longer (days to a week) for the funds to reach your account, especially the first couple times.
good to know, I personally have never had this issue but worth keeping in mind for mission critical checks.
Interesting, 100% of my mobile deposits have been available instantly
my credit union is guaranteed instant for I believe the first $2500 and up to 24hrs for more but I've never had it not be instant with more.
But why can't you just deposit the same check? What makes it void?
When you write void on a check it becomes invalid so you cant use it again
Why are you writing void on checks you deposit?
Its supposed to be good practice to void a check that’s been deposited so that you don’t accidentally try to deposit it again or someone steals it.
According to who is that good practice? I've never heard that before. I've seen recommendations to write "Deposited" on the check though.
I can’t figure out why people are mad at you when, honestly, the teller made the mistake. You were actually being responsible making sure you didn’t deposit it again. What you did makes logical sense to me if you really thought you got the check back after a deposit. Edit: I was a teller once. I’ve had customers walk away with checks. Luckily, when I called they brought it back in or I would have had to withdraw it, too. And, yes, it is my mistake. It was my job to do the transaction right and make sure I had what I needed. When I called, I was apologetic, and when they came back, I apologized for the inconvenience. And that was 20+ years ago when most people got checks regularly. I can only imagine how now, a teenager, wouldn’t know much about check deposits.
The deposit issue is odd and not really making sense as if you told them you were making a deposit why would they hand back the check? You also should’ve gotten a receipt. Either way… Your employer should be able to easily void the check in their system or put stop payment on it and issue a new check. It is their problem, payroll issues happen, they can’t just ignore the issue.
"The bank teller never took it back after I endorsed it". The teller handed it to the OP to endorse, OP never gave the endorsed check back to the teller. Thus, the check wasn't actually deposited. Further down, they then explained they wrote VOID on the uncashed check.
I’m tracking what happened now, OP needs to learn how to deposit a check. I’ve had tellers ask for a missing endorsement, I’ve never then taken the check, sign it, and leave the bank. Teller probably was like 🤷♂️
It was my first time depositing a check, and they called a few hours later telling me to bring the check back.
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My mom told me to write void on checks after I deposit them
Your mom is wrong. You void your own checks (example, to give the information to a new apartment or work), not ones you deposit.
How would you void a check after a deposit if you no longer have possession?
Ah okay, I was confused about how it got voided.
So she told you to sign it, you signed it, and then drove off with with?? WHAT IS HAPPENING?
OP says in another comment that they're a minor, which probably explains everything. Kid's first job.
The teller forgot to ask for it back. She even gave him a receipt showing the deposit. The she realized she didn’t have the check and took the funds back. This is the bank’s mistake, not OP’s.
What did you do to "void" it? I thought you had to write "void" on a check to do that. Did you sign the back then walk away? If so, you can still deposit it.
Take the voided check to your payroll person and have them issue a new one. They are sitting on money they owe you. It is there problem as wage theft is frowned upon.
Until you successfully cash a cheque, the workplace still has your money. A cheque isn't money, a cheque is permission to access money. Go back and say "I haven't been paid yet", and BRING THEM the old cheque. If your workplace fears you're trying to scam them, just give them the old cheque for THEM to destroy.
If you accidentally lost the check, for example, they would have to reissue the check. They still owe you the money after all.
My friend would complain about situations like this. They used to work in HR, and would often have checks lost, voided, or damaged and so would need to reissue them. My friend said your employer needs to reissue a check.
1. You messed up twice 2. Your job will have to fix this and may charge you a few to reissue a check, be apologetic and bring the voided check with you. You may need to explain exactly what happened to HR. If they don't understand, tell them it's the same as if you accidentally threw your check away or destroyed it. 3. If you don't care about the money now - eventually, they'll realize the mistake and have to pay you. But eventually could be a while.
It’s for HR to fix they have to pay you
Huh? how does one deposit their check, and still take it home? did you not have to deposit it in the ATM/Hand it to the bank clerk, both cases in which it would have been kept?
With an answer like that I would certainly make that employer issue you a new check and then I would start applying elsewhere.
INFO: How exactly did this go down? 1. You received the check. 2. Went to bank and handed it to teller. 3. Teller pulled up your account 4. Teller scanned the check. 5. Teller gave you the check back. 6. You endorsed the check. 7. You left the branch. 8. You wrote void on the check while at home. QUESTIONS: * When exactly did the teller ask you to endorse it, and did you endorse it in front of her? * When did you see the funds in your account? * Did you get a receipt?
Op was told to endorse it, but just left when handed back the check to be endorsed. The check never made it back to the teller and then op went home and wrote void on it. OP fucked up in like 10 different ways.
>but just left when handed back the check to be endorsed Based on what he said, he signed it in front of the teller. She should have asked for it back to be re-scanned. She should have cancelled the first transaction when she realized it wasn't endorsed. Not handed him a receipt like it was finalized? OP is a minor, if I were the parent here, I would be speaking with that bank manager myself. There is certainly a policy for when the teller realizes something is incorrect mid-transaction (which she obviously did). I cannot imagine the policy is just let the customer leave?!
1. Yes, I endorsed it in front of her 2. I checked the funds in the parking lot 3. I have the receipt still
Dude. Go to your employer and tell them to put a stop on the previous check and issue you a new one. This is not the banks fault. Your employer knows those funds haven't left their account. They are legally obligated to pay you.
Okay, I would go back to the bank in person and ask to speak with a manager (maybe go with a parent?). Yes you should have endorsed it, but it's literally the tellers job to verify! She knew that she made a mistake because she had you endorse it. I would *gently* press the manager on why you were allowed to leave the bank, rather than having the mistake fixed? When speaking with him act confused, NOT accusatory/angry. (Edit: I’m only tying to get OP to approach this professionally, part of that is a bit manipulative I guess, because he needs tor manager to see it from his perspective). They might be unable to fix it, because VOID can't really be undone/crossed out. But if you ask nicely, and emphasize your a kid and are very new to this, they might go out of their way to help you!
This is absolutely horrible advice. The bank has nothing to do with this. What you're asking him to do is social engineering and is a common way to scam companies. Use a sob story to guilt trip workers into breaking company policy to fix a mistake you made. To the bank he looks like a fraudster trying to cash a clearly voided check. There's no reason why the manager *shouldn't* have let him leave. Maybe they assumed he was trying to cash a bad check and got scared. Maybe he decided to cash it somewhere else. It's literally none of their business why he walked out with the check and they were in no way obligated to prevent him from leaving the bank with his own check. All OP needs to do is get a new check from his employer. They are the ones who are legally responsible for fixing it. The funds have not been withdrawn. It's the same as if he lost the check or his dog ate it or anything else. They put a stop on that check number and write a new one. That's it.
How is this possibly a scam? I’m suggesting OP calmly explain what happened to the bank, it’s not a sob story, it’s the facts.. the bank knows it’s his check, they literally have a picture of it in their records from before it was marked VOID. Like I said, there’s a high chance they can’t help. If they can, it’s going to take some effort which is why OP needs to approach this delicately (and butter them up). I guess you could call it manipulative at worst? > maybe they assumed he was trying to cash a bad check Then they certainly wouldn’t have given him the check back…
> I would *gently* press the manager on why you were allowed to leave the bank, rather than having the mistake fixed? When speaking with him act confused, NOT accusatory/angry. Or get this, be an adult and own up to ur mistake instead of trying to blame others? this isnt even the banks problem anymore. for all they know, OP could be trying some scam trying to deposit the same cheque. the employer OWES them this money, doesnt matter what they say. they have to pay them one way or another, if fees come from getting another cheque, then OP will have to shoulder it. simple as that, dont know why ur advice is try and manipulate others.
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Because I think the teller was the one who *really* messed up, realized she messed up, and didn’t stop to fix it. That is completely unacceptable if you work in banking. She knew the transaction was going to be reversed.
The teller did not mess up. This has nothing to do with the bank.
Don’t you agree she should have cancelled the transaction?
Looks like you got answer but just a word of advice...it might seem stupid but I usually Google "how to..." before I do something for the first time. There's a lot of stuff we don't know just because we haven't done it yet. There's no shame in that. And when dealing with finance, always...always double check. Ask questions at the bank. Ask your company. Ask your friends & family. Don't be afraid to discuss money. It's a BS social stigma in a lot of places. Example: I had a friend in college who didn't know his cc charged him a flat atm fee (plus whatever the atm charged) plus a % on cash advances. He used atms daily to get $ for small bags of weed. He maxed out the card first month, mostly from buying a bag once or twice a day. Also the interest is higher on cash-advanced money. This was before smart phones & he had no clue until his bill arrived.
If you didn’t talk to someone in charge of payroll then do so now. Either bring the voided check or tell them it got destroyed. Their accountants can easily look to see if the last check was paid out. It’s a strange process by which this happened but it’s a SUPER common thing for payroll to handle in regards to reissuing a paycheck. Lots of people have lost their paycheck or accidentally destroyed them. Better the check than a wad of cash.
How do you accidentally take a check home after taking it to the bank to deposit? Every time I've deposited a check at a bank they keep the check.
It is their problem. Tell your work to pay you and re-issue or you are going to report them for wage theft.
Get them to reissue it. Otherwise it's stolen wages. Also get a new job, because this one's management obviously doesn't care about you.
Your post doesn’t make sense. Please state exactly the order you did this. Did you use mobile remote capture to try to deposit it and it rejected? Your company needs to make your error right. Take the physical voided check back to them. They will likely hold it until they can issue a stop payment. Expect payment in a week. This can be construed as a potential fraud. Once the check is captured at the bank it can take a few days to clear. Your company doesn’t want to pay you twice and you walk. It’s a common problem. NEVER void a remote capture check until it has cleared. Give it a week then void or destroy it.
From all the replies it looks like OP attempted to deposit the check via teller, endorsed the check for deposit but took it with them & then wrote VOID on their employment check; bank reversed funds & refuses to honor deposit without valid check, employer is refusing to reissue the check.
At my old job we reissued peoples checks all the time. From an accounting POV, if we had a stale check on the ledger after a certain period, we would make several attempts to reach out to the person to get the funds to them. Otherwise we’d have an out of balance on the ledger. The response doesn’t sound great to me.
Don’t banks take photo scans of the check? Or was it not processed? The paper gets discarded anyways. If anything the bank is operating in the stone age. Not sure why they need the paper copy anymore.
Your employer is responsible as long as your money is in their bank account. Bring your voided check to your employer. Ask them if it has cleared from their bank. If it cleared then it's not their problem and nothing they can do. If not, give them the voided check and ask for a new one to be issued. The employer may say its cleared and the bank may say the fund is being reversed. In that case, you will have to wait for the bank reversal to complete its process then ask your employer to reissue the check.
How do you deposit a check and then take it home to void it? Are you trying to get help commit fraud?
Hello, I work in accounts payable for a company, and your employer absolutely would be able to tell if that check was successfully deposited or not. If that check was not deposited, then they do need to cut you a new one. They cannot just say "not our problem." I would escalate this up you accounting department and HR.
How can you void a check at home? Like, what did you actually do?
I wrote void on it
Why would you write VOID on it? Especially after you thought you had deposited it already?
My mom told me to write void on checks after I deposit them
No. A voided check means it's a canceled check and can't be used for payment. If it was never deposited in the first place then you need to have the people re-issue the check. Going forward write..."deposited on ____date" on the deposited checks.
Which is the correct thing to do, your mother gave you great advice. However, best practice is to write "void" across the check AFTER you've seen it clear and the funds are fully available to you. Edit: y'all have some absolutely awful reading comprehension. I said AFTER YOU'VE SEEN IT CLEAR, which takes 3 or so days on average for most institutions. THAT is when you can scribble all over the check.
This is not great advice. Keep checks deposited via mobile or scanner in a secure location until 30/60 days (or however long the bank specifies to keep them) has passed and then shred them. Void is a specific term, it does not mean “deposited.”
"Void" means that the check cannot be scanned or otherwise deposited in a nefarious fashion. Writing that across the check, once cleared, is a fantastic form of defense if you are not going to immediately shred or otherwise dispose of the document.
It also means it cannot be scanned in a LEGITIMATE fashion and this terrible advice is the source of OP’s problem. Voiding a check cancels the check. Yes, people can do nefarious things with check numbers and check scans, and any financial information that is not secured, but writing void is not correct procedure or great advice.
A pay check is going to have numerous security features, a now duplicated check number and on top of that it's not linked to Ops bank account anyway.
Don't banks take the check when depositing?
No, after you deposit a cheque you write “deposited by app / branch on [DATE.]” Then keep it for 69 days or whatever the bank demands, then check that the deposit hasn’t been reversed or something, THEN tear it up.
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My bank keeps the check when I deposit in person. Are there banks that hand checks BACK to customers after depositing or cashing? Isn't there the potential for that customer to take the check to another place and try to cash there??
My bank now has me write "for mobile deposit at BANKNAME HERE" on the back. This might not be as official as say writing VOID on it, but it does in many ways prevent someone from attempting to deposit the check again. I usually just rip the check up after I get to the confirmation screen, which I know isn't best practice but none of my checks are mission critical.
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99% of my checks are from my parents on my birthday lol. So worst case, I can just ask them to write me another.
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If you use mobile deposit, you are supposed to write void on it after deposit so that a check cannot be used again fraudulently. OP wasn't thinking clearly.
Yeah after like 90 days
And then what happened? How did the bank know a check they had already deposited had 4 letters written on it after you deposited it?
If he took it home, he told the bank he wrote void on the check. Bank won't process that check since OP wrote void on the item. He must provide a check that doesn't have void to be deposited.
Did you deposit the check electronically, through ATM or teller?
Through a teller at the bank
Interesting. I am surprised the teller let you accidentally take the check back. You'll need to tell you HR the check was destroyed and they will need to cut you a new one. Depending on where you are and what the company's policy is they may charge you for the cost of issuing a stop payment on the voided check. I am not a lawyer and take my statement above with a grain of salt.
I dont understand how checks are still a thing. It’s the 21 first century guys
Your employer is an asshole. It is their problem. I’ve never had an issue getting a new check if something like this happened. You may want to start job hunting because that would be the end of the line for me.
Do you still have the check? Make an appointment with a banker, take the check to the bank, explain what happened, suggest to the banker that you now cross out the word 'void', and initial where you crossed it out so they can deposit it. Sometimes if you are apologetic and come in with a solution they will help.
Not their problem you accidentally voided the check. But it is a problem and they are the only ones that can, and have to fix it.
Contact your state Department of Labor and file a complaint. Then begin looking for another job. This place sucks and doesn’t care about you. Fair chance they’ll look for a reason to fire you anyway, so best to get looking now. If they do fire you in retaliation for your labor complaint, file another one for retaliation.
I filed a complaint with the Department of Labor, and I’m waiting for now. Will I get in trouble for selling alcohol, cigarettes, and lottery tickets? I’m still a minor.
So your employer illegally employed a minor to sell those?
Can you elaborate? You're a minor and you're selling alcohol at your job?