What term describes a check that has no validity for payment?

What term describes a check that has no validity for payment?

• A. A voided check.
• B. A certified check.
• C. A post-dated check.
• D. A cashier's check.

Answer: (A)

A voided check is a check with no validity for payment. When a check is voided, someone marks it as VOID so it cannot be negotiated or cashed, even though the account and routing numbers may still be legible for reference (such as setting up direct deposit). The other types describe checks that are still valid and backed by funds: a certified check has the bank guarantee payment from available funds, a post-dated check is dated to be paid in the future but remains a negotiable instrument, and a cashier's check is drawn on the bank’s own funds and is guaranteed.

A voided check is a check with no validity for payment. When a check is voided, someone marks it as VOID so it cannot be negotiated or cashed, even though the account and routing numbers may still be legible for reference (such as setting up direct deposit). The other types describe checks that are still valid and backed by funds: a certified check has the bank guarantee payment from available funds, a post-dated check is dated to be paid in the future but remains a negotiable instrument, and a cashier's check is drawn on the bank’s own funds and is guaranteed.