They don’t need a voided check; it’s just a matter of convenience if you send one. If you can provide your bank name, routing number, and your personal account number over the phone, it’s ...

The voided check provides accurate bank account information to the payee. Just like setting up a direct deposit, you may need to provide a voided check to authorize automatic payments.

A canceled check is a check that has processed and cleared by the bank; in other words, the bank has paid for it. The funds have moved from the check issuer’s account to the recipient’s account.