Yeah, the voided check thing is wild—feels like a relic from another era. I’ve had lenders ask for it even after I sent a direct deposit form with all the same info. Keeping a doc log is smart; I do something similar, just to cover myself if there’s ever a dispute. It’s frustrating, but being organized really does save headaches down the line. I doubt the process will get streamlined anytime soon, so your system sounds like the safest bet for now.
Honestly, I’ve seen the voided check request trip up even the most organized clients. It’s like some lenders just can’t let go of old habits, no matter how much tech we throw at them. Your doc log approach is spot on—saves a ton of back-and-forth later. It’s a pain, but you’re definitely doing what works in this environment.
