A voided check from Capital One 360 is a crucial document for many financial tasks, such as setting up direct deposit for your paycheck, arranging automatic bill payments, or linking external accounts. Unlike a regular check, a voided check cannot be cashed or used for payment, but it contains all the essential banking information: your account number and routing number.
Since Capital One 360 is primarily an online bank, you might wonder how to get a physical voided check when you may not have a traditional checkbook. Don't worry, there are several convenient ways to obtain the information you need, and even a "voided check" equivalent for digital use.
Let's dive into the step-by-step guide to getting a voided check from Capital One 360, making sure you have everything you need for your financial endeavors!
Getting a Voided Check from Capital One 360: Your Comprehensive Guide
Step 1: Do you really need a physical voided check? Let's find out!
Before you go through the process, it's important to confirm what your recipient actually needs. Many employers or institutions that request a "voided check" are primarily looking for your routing number and account number. For Capital One 360 accounts, you might find that a pre-filled direct deposit form or a letter from the bank stating your account details is perfectly acceptable.
Engage with your recipient: Have you asked your employer or the organization exactly what kind of documentation they require? Sometimes, a quick phone call or email can save you a lot of time and effort! If they specifically state a "voided check" and don't accept alternatives, then follow the steps below.
Step 2: Accessing Your Capital One 360 Account Information
Whether you need a physical check or just the numbers, the first step is to locate your Capital One 360 account details.
Sub-heading: Via the Capital One Website (Online Banking)
- Log In: Go to the official Capital One website (
www.capitalone.com - Navigate to Your Account: Once logged in, select the specific 360 Checking account for which you need the voided check information.
- Find Account Details: Look for options like "Account Services & Settings," "Account Details," or "View Account Information." The exact wording might vary slightly, but it will generally be under a section related to managing your account.
- Locate Routing and Account Numbers: Your routing number (a nine-digit number) and your account number will be clearly displayed. Make a note of these numbers, as they are the core information usually required.
Sub-heading: Via the Capital One Mobile App
- Open the App: Launch the Capital One Mobile app on your smartphone or tablet.
- Log In: Log in to your account using your credentials or biometric authentication (fingerprint/Face ID).
- Select Your Account: Tap on your 360 Checking account from the main dashboard.
- Find Account Information: Look for an option like "View All" from the "I Want To..." menu, then navigate to "Account Settings" or a similar section. You should be able to find your routing and account numbers there.
Step 3: Obtaining a "Voided Check" (or its equivalent)
Now that you have your account information, let's look at the different ways to get what you need.
Option A: Ordering a Checkbook (If you don't have one)
If you don't have a physical checkbook for your Capital One 360 account, you'll need to order one first. This is the most straightforward way to get a blank check to void.
- Online Banking:
- Log in to your Capital One 360 account online.
- Go to "Account Services & Settings" (under your balance information).
- Under "Transfers and payments," select "Order a Checkbook."
- Follow the prompts to select the number of checks and confirm your order.
- Mobile App:
- Open the Capital One Mobile app and log in.
- Select "View All" from the "I Want To…" menu.
- Under the "Checks" category, select "Order a Checkbook."
- Select the quantity, review details, and slide to order.
Please note: Ordering a checkbook may take a few business days to arrive by mail.
Option B: Voiding a Physical Check (Once you have a checkbook)
If you already have a Capital One 360 checkbook, this is the quickest way to create a voided check.
- Get a Blank Check: Take a blank, unused check from your Capital One 360 checkbook. Do NOT use a check that has already been filled out or signed.
- Write "VOID": Using a blue or black pen with permanent ink, write the word "VOID" in large, clear, capital letters across the entire front of the check.
- Ensure the word is large enough to cover the payment amount section, the payee line, and the signature line.
- Crucially, make sure you do NOT obscure the routing number (the first set of numbers at the bottom left) or your account number (the second set of numbers) at the bottom of the check. These numbers need to remain legible.
- Do Not Sign: Never sign a voided check. A signature could make it appear as a valid check.
- Make a Copy (Optional but Recommended): Take a picture or make a photocopy of the voided check for your records. This is a good practice in case there are any discrepancies later.
- Record it: In your checkbook register, mark the check number as "VOID" and note the date. This helps you keep track and avoids confusion.
- Submit the Voided Check: Provide this voided check to the requesting party.
Option C: Capital One 360 Direct Deposit Form (Often accepted as an alternative)
Capital One often provides a pre-filled direct deposit form that contains all the necessary banking information. Many employers or institutions will accept this in lieu of a voided check.
- Online Banking:
- Log in to your Capital One 360 account.
- Look for a section related to "Direct Deposit" or "Forms."
- Capital One provides a "Direct Deposit Information Form" or a "Direct Deposit Request Form" that includes your bank name, routing number, and account number. You can often download and print this form directly from your online account.
- Mobile App:
- Open the Capital One Mobile app and log in.
- Choose the checking account you want to enroll with.
- Select "View All" from the "I Want To" menu.
- Select "Set Up Direct Deposit" in "Account Settings."
- Tap "Get Form" to download, print, and sign the form. You can then provide this to your payer.
Option D: Requesting a Bank Letter / Temporary Check
If for some reason the above options don't work, or your recipient specifically requires a bank-issued document, you might consider these less common methods for Capital One 360 (as it's primarily online):
- Contact Capital One Customer Service: Call Capital One 360 customer service (their number is often found on the back of your debit card or on their website's "Contact Us" page). Explain that you need a document verifying your account and routing numbers for direct deposit or ACH authorization. They may be able to provide a letter with this information on bank letterhead, which is typically accepted.
- Visit a Capital One Cafe/Branch (if available): While Capital One 360 is online, Capital One does have Capital One Cafes and some traditional bank branches. If you have one nearby, you might be able to visit and request a temporary check or a direct deposit verification letter. It's advisable to call ahead to confirm if they can assist with this for a 360 account.
Step 4: Submitting Your Information
Once you have your voided check or the equivalent form/letter, carefully submit it to the requesting party.
- For Direct Deposit: Give the voided check or direct deposit form to your employer's HR or payroll department.
- For Automatic Payments: Provide the voided check or account information to the company you wish to set up automatic payments with.
- For Linking Accounts: Use the routing and account numbers to link your Capital One 360 account to other financial institutions.
Double-check everything! Always ensure the routing and account numbers are correct to avoid any delays or issues with your transactions.
10 Related FAQ Questions
How to get my Capital One 360 routing number?
You can find your Capital One 360 routing number by logging into your online banking account, checking the Capital One mobile app under your account details, or by looking at the bottom of any physical checks you may have.
How to set up direct deposit with Capital One 360?
You can set up direct deposit by providing your employer with your Capital One 360 routing number and account number, either through a voided check, a pre-filled direct deposit form available from Capital One, or a bank letter verifying your account details.
How to order new checks for Capital One 360?
You can order new checks for your Capital One 360 account by logging into your online banking platform, navigating to "Account Services & Settings" and then "Order a Checkbook," or by using the Capital One Mobile app and selecting "Order a Checkbook" under the "Checks" category.
How to find my Capital One 360 account number?
Your Capital One 360 account number can be found by logging into your online banking account or the Capital One mobile app, typically under your specific checking account details. It's also printed on any physical checks you have.
How to use a direct deposit form instead of a voided check from Capital One 360?
Many institutions accept a Capital One 360 pre-filled direct deposit form, which you can download from your online account or the mobile app, as it contains all the necessary routing and account number information. Confirm with your recipient if this alternative is acceptable.
How to ensure my voided check is properly marked?
To properly mark a voided check, write "VOID" in large, bold, capital letters across the entire front of a blank check using a black or blue permanent pen. Ensure that your routing and account numbers remain completely legible.
How to get a bank letter from Capital One 360 for direct deposit?
While not typically self-service for 360 accounts, you can contact Capital One 360 customer service and request a letter verifying your account and routing numbers for direct deposit or ACH authorization purposes.
How to link external accounts using Capital One 360 information?
To link external accounts, you will typically need to provide the routing and account numbers of your Capital One 360 account to the external financial institution you wish to link with. Some institutions may also require micro-deposits for verification.
How to dispose of a voided check safely?
After submitting a voided check, it's important to dispose of any remaining copies safely. Shredding the check is the most secure method, but you can also tear it into many small pieces, especially ensuring the routing and account numbers are unreadable.
How to avoid common mistakes when providing voided check information?
Always double-check that the routing and account numbers are correct. Ensure the word "VOID" is clear and doesn't obscure the vital banking numbers, and never sign a voided check. Always confirm with the requesting party what specific documentation they will accept.