If you're setting up direct deposit or pre-authorized payments, you’ll need a void cheque to provide your banking details. BMO customers can easily get a void cheque online, through the BMO app, or with a physical chequebook. Each method gives you the same necessary information, including your transit number, institution number, and account number. Below, we’ll explain the fastest ways to get a void cheque and how to use it.
How to get a BMO void cheque
To create a void cheque, write "VOID" across a physical cheque without blocking any of the numbers at the bottom that will be needed to identify where the money will go.
How to get a BMO void cheque online
BMO allows customers to download a void cheque through their online banking platform. This option is fast and eliminates the need for a physical checkbook. Here's how to do it:
- Log in: Visit BMO Online Banking and sign in with your credentials.
- Access your account: Click on My Accounts from the main menu.
- Choose the account: Select the specific account that you want a void cheque for.
- Find the void cheque option: Look for the Void Cheque link or option within the account settings.
- Download the PDF: Click to download a PDF version of the void cheque.
The downloaded PDF contains the same information found on a physical void cheque, making it suitable for direct deposit, pre-authorized payments, and linking accounts.
Tip: If you can’t find the void cheque option after logging in, check the "Account Services" or “Documents” section.
How to get a void cheque through the BMO app
If you prefer using your phone, you can get a BMO void cheque through the BMO Mobile Banking App. It’s just as fast as using the website and allows you to download a void cheque as a PDF.
- Open the app: Launch the BMO Mobile Banking app and sign in.
- Go to accounts: Tap Accounts from the main screen.
- Select the account: Choose the account you want a void cheque for.
- Access void cheque option: Look for the Void Cheque option (usually under account settings or details).
- Download the PDF: Save or email the void cheque for immediate use.
Since the app version is identical to the online version, you’ll get the same banking information required to set up payments or direct deposits.
What is a void cheque?
A void cheque is a regular cheque that has "VOID" written across the front, indicating that it can’t be used to withdraw funds. Despite being unusable for payments, it contains all the essential banking details needed for setting up direct deposits or pre-authorized payments.
When you submit a void cheque to an employer or service provider, they use this information to set up automatic payments or deposits.
What are void cheques used for?
Void cheques are most commonly used to provide your banking details for:
- Direct deposits: Employers often request a void cheque to deposit your pay directly into your account.
- Pre-authorized payments: Utility companies, gyms, and other services may ask for a void cheque to set up recurring payments.
- Government benefits: Programs such as the Canada Child Benefit (CCB) and Employment Insurance (EI) use void cheques to link your account for direct payments.
- Linked accounts: Financial institutions may require a void cheque to connect multiple accounts for transfers.
If you don’t have a void cheque, you can usually use a direct deposit form instead, which contains the same details.
How to read a void cheque
Understanding the numbers on a void cheque is essential for verifying that your banking information is correct. Here’s a breakdown of what the numbers mean:
- Transit number (5 digits): This identifies the specific branch where your account is held. It’s usually the first set of numbers from the left.
- Institution number (3 digits): This identifies your financial institution. BMO’s institution number is 001.
- Account number (7-12 digits): This is your unique account number, which links the cheque to your specific bank account.
These numbers ensure that any funds sent to your account go to the right place, whether for direct deposit or pre-authorized payments.
Double-check these numbers when setting up payments or deposits to avoid errors.
FAQ
How do I get a BMO void cheque?
If you have a chequebook, write "VOID" across a blank cheque. Otherwise, log in to your BMO account online or through the app and download a void cheque as a PDF.
How do I get a BMO void cheque without going into a branch?
You don’t need to visit a branch to get a void cheque. Download one online by logging into your account or use the BMO app to access a PDF version instantly.
Can I get a void cheque from a BMO business account?
No, small business accounts cannot generate void cheques online or through the app. You’ll need to order physical cheques and void one manually.
Is a BMO direct deposit form the same as a void cheque?
Yes, a direct deposit form contains the same transit, institution, and account numbers as a void cheque. It’s a valid alternative if you don’t have a chequebook.
What do I do if I don’t have a chequebook?
If you don’t have a chequebook, download a void cheque from BMO’s online banking platform or the BMO app. You can also request a chequebook from BMO if needed.
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