BMO Void Cheque: How To Get A BMO Sample Cheque (2024)

Some employers, utility providers, or creditors often ask for void cheques to set up direct deposits and pre-authorized payments in Canada. If you need a void cheque, you can simply take out your chequebook and boldly write “VOID” across the front of the cheque.

However, if you need a BMO void cheque and cannot access your chequebook right away, there’s no need to worry. BMO online banking platforms offer a fast and hassle-free process of getting a BMO void cheque.

In this blog post, we’ll walk you through the simple process of obtaining a BMO void cheque online. Whether you require one for your employer or a creditor, our guide will ensure you can easily secure a BMO void cheque, eliminating any potential stress.

How To Get A BMO Void Cheque

One of the most convenient methods of getting BMO void cheques is requesting a new chequebook from your local BMO bank branch. When you have your chequebook, you can simply write the word “VOID” on one of the BMO cheques using a reliable dark pen or a permanent marker.

Alternatively, if you wish to preserve your paper cheques for future use or have not received your chequebooks, you can easily download a BMO void cheque sample directly from your online banking account.

Follow these step-by-step instructions to obtain a BMO void cheque online effortlessly:

Log in to Your BMO Online Account: Access your BMO Online Account by entering your credentials.
Select the Relevant Bank Account: Navigate to the ‘My Accounts’ section and choose the specific bank account for which you require a void cheque.
Access the “Void Cheque” Link: Look for the designated “Void Cheque” link within your account options.
View and Download Your Void Cheque: Once you click on the link, you can view and download your void cheque with utmost ease.

As a convenient alternative, BMO also allows downloading a void cheque in PDF format through the BMO Mobile Banking app, enhancing flexibility and accessibility.

Fortunately, the BMO void cheque/direct deposit form also contains all essential information typically found on a physical cheque, including the transit number, institution number, and account number.

This comprehensive document is a valuable tool when establishing direct deposit or pre-authorized debit arrangements with your employer or any entity requiring access to your bank account details.

How to Read BMO Cheque

When it comes to setting up direct deposits or pre-authorized debits like loan repayments or rent, having a sample cheque is often a requirement.

The best part is that most Canadian cheques, for BMO, TD, RBC, CIBC, and other banks, share a common structure in the information they carry, making the process similar.

Here are the main parts of BMO sample cheques, also called “specimen” or “void” cheques:

Personal Information: Your name and home address are pre-printed and displayed at the top of the cheque, designating you as the “drawer” or the bank account owner from which funds are withdrawn.
Beneficiary (Payee): In this section, you would normally write the name of the individual or organization receiving the payment. However, this area remains intentionally blank for a void or sample BMO cheque.
Bank Account and Branch Details: This section provides crucial information, such as the bank name and the address of the bank branch where your account is situated.
Cheque Number: A 3-digit number used to track the transaction in your bank statement. On your BMO cheque, this number is located at the far left bottom in the MICR (Magnetic Image Character Recognition) encoding line and also at the top right corner.
Transit (Branch) Number: A 5-digit code specifying the particular bank branch where you initially opened your bank account.
Financial Institution Number: This 3-digit number, also known as the bank code, distinguishes the Bank of Montreal, with its institution code being 001. Importantly, this code remains constant regardless of the BMO branch you utilize.
Account Number: Your unique bank account is identified by a 7-12 digit number, including a dash in BMO’s case.

How to Write a Cheque

Writing a BMO cheque is a simple and straightforward process. Here are a few steps you can take to ensure that your BMO cheque is not only accurate but also conveys the necessary information for a smooth and transparent financial exchange:

Date: Begin by writing the date in the upper right corner of the cheque.
Name the Payee: On the line that says “Pay to the order of,” write the name of the person or organization you’re paying—this is your payee or beneficiary.
Amount: Specify the amount you’re paying. Don’t forget to fill in the box with the dollar sign, putting the amount in numerical figures.
Memo: In the “Memo” section, jot down the purpose of the payment. For example, if it’s for rent in February, scribble down “February rent.”
Signature: Sign the cheque at the bottom left corner to make it official. Your signature is the seal that completes the transaction.

What is a Void Cheque?

A void cheque is a secure way to share the necessary information for setting up a direct deposit without exposing your funds to potential risks.

All you have to do is grab a blue or black pen and boldly write “VOID” across a regular cheque. This simple act makes it unmistakably clear to bank tellers or ATMs that the cheque is not meant to be cashed.

This eliminates the possibility of someone with malicious intentions filling in their name on the “Pay to the order of” line and adding an amount below it. Your employee (or whoever) can send money directly to your bank account with a void cheque.

Final Thoughts on BMO Void Cheque

Obtaining a BMO void cheque quickly is a straightforward process that saves you time and offers added security. Simply grab a blue or black pen, mark “VOID” across a regular cheque, and you’re set to streamline your direct deposit setup.

Remember, if you can’t access your chequebook, you can always use the BMO online banking platform to get your BMO sample cheque.

Ready to simplify your banking? Take charge now and get your BMO void cheque swiftly. Take control of your banking convenience now!