MICR Basics Handbook
Contents
1. 3 2 Mon cm MM 3 2 Bici omevasea toys 3 2 Bxtraneous TOner i RUNI tette nee Dee PUR I S HRS TEM RMEM EE eb EE ee ARP e REN SERERE TENE DUR 3 2 Extraneous Toner back of document sss eee enne 3 2 Sur SAES E as 3 2 Ahgnment EE TET P 3 2 SLIDE P 3 2 SKEW HR 3 2 Document Testing Services s ee ener eene rebos HER XY ob dee XR eC ENE Re RR o RE REN RIA 3 3 Technical SUpport rete erbe erar Mer HS petes reta ba a IE n EO eR EM e ERE son Ra 3 3 Section 4 Selecting Paper Stock and MICR Toner Selecting Paper Stock uio E P ONERE SEIEU Eee R eT E te Eb eA or HIEMS 4 1 Basis W Cighttisscsscsecccesdesdeceditccstedsoctecd in e a E E E E a O 4 2 SIESS a errena a A EEE E R E E LOEO 4 2 Gram DIPS Ct OM sini acodsses csgceeaiacesecensceauseiaeesnteeieessaadseaavacedeussaeiegtestiasixesias RA EEEE EE 4 2 Milone ee ML 4 3 lij H 4 3 sess ET 4 3 SIMONNES S iriser aeu neari e IT UT L 4 3 Reflectam G6 EET 4 3 WCAL casas E E E dec insauedeecess 4 3 sata MICR Basics Handbook Document 50 70300 001 Rev A TOC 1 TROY Table of Contents Ic 4 3 Performa thOms T TTER2. Document 50 70300 001 Rev A 4 3 JD PiroY Section 4 Selecting Check Paper and MICR Toner Paper Storage Paper rapidly and sometimes permanently becomes affected by variations in temperature and humidity during storage or use Variation in the humidity is the more serious since changes will affect size and strength characteristics Paper should be stored and used at 40 to 60 relative humidity and 16 to 24 degrees C 60 to 75 degrees F TROY recommends that the paper be exposed to the environment of the printer room for a minimum of 24 hours before use For more rapid conditioning the box lids should be removed and boxes not stacked Printer forms should be kept in the original boxes until ready for use The boxes should be stacked with their lids up Getting More Help with Check Paper Standards for testing the characteristics described in this chapter are available from Technical Association of Pulp and Paper Industry TAPPI Technology Park P O Box 105113 Atlanta GA 30348 These TAPPI tests are available Weight T410 Porosity T460 Smoothness T538 Burst T403 Stiffness T489 and T543 Tearing TT414 Grain Direction TAPPI T409 Moisture Content TAPPI T412 NOTE If you are uncertain about the characteristics of your paper stock TROY s state of the art paper and print quality laboratory will test your paper forms and print quality for a nominal fee For information on this service or to obtain TROY che
3. and measured as voids The portion of the edge void within the 0 0035 zone is included in the 0 0015 to 0 0035 irregular edge measurement Voids Single voids are allowable if contained within an 0 008 square Single voids in double wide zones except for edge voids are allowable if contained within a 0 010 square Edge voids are allowable if contained with an 0 008 square using average edge of character Voids 0 002 wide by any length are allowable The combined void area of any row or column must not exceed 20 of the row or column Uniformity Toner must be laid down uniformly inside the outline of each character Extraneous Toner front Magnetic toner spots within the clear band that are visible to the naked eye are acceptable if they can be contained within a 0 004 square and are no more than one per 1 8 of a character space or five per field The portion of magnetic toner that is attached to a character and exceeds the 0 0035 irregular edge limit is considered to be extraneous toner and must conform to extraneous toner specifications Extraneous Toner back Magnetic toner on the back of the document within the area of the clear band is allowable if contained within a 0 006 square Signal Level The signal level may vary from 50 to 200 of the characters nominal signal level The TROY minimum is 70 Alignment The bottom edge of adjacent characters within each field must not vary vertically more than 0 015 Sp
4. consist of ten specially designed numbers 0 through 9 and four special symbols Transit Amount On Us and Dash These characters and their relationship in the MICR line are described in detail in the following text and shown in Figure 1 4 For more details refer to the TROY MICR Printer User s Guide Section 6 Using TROY MICR Fonts and the document titled Understanding and Designing Checks ANSI X9 TG 2 a amp cL 5E T BH Transit Amount On Us Dash Figure 1 3 MICR Characters and can extend up to 1 8 Field begins at positon 45 from edge of the check DU 43 Position l pnm 32 Position A p 12 Position 1 WABTESG3c a isa resa 2 anlsua 21098765432 14a 2o98 76 TELLIN Aux On Us Field Transit Field On Us Field Amount Field Positions 45 up to as Positions 33 to 43 Positions 13 to 32 Positions 1 to 12 many digits that will fit the size of the check EPC Field Positions 44 or 45 but not both Figure 1 4 The MICR Line MICR Basics Handbook Document 50 70300 001 Rev A 1 3 il D J Q lt Section 1 Understanding MICR Amount Field The amount field occupies positions 1 12 on the MICR line The amount field is not normally printed by the check supplier This field is used for processing the check and is coded after the check is drawn in the post encoding process at the bank of first deposit From right to left position 1 is the Amount symbol positions 2 and 3 are cents positions 4 11 are d
5. survive the processing cycle and may cause a marked increase in rejected documents at your banking operation centers and clearing houses Most of these establishments keep accurate records on problem checks Continued use of inferior check stock could ultimately result in fines from these clearing houses and or outright rejection of all of your subsequent checks After learning about the paper requirements in the following sections you will find that TROY s premium quality security check paper will give you the best results TROY s premium quality security check paper is made specifically for printing checks If you wish to order your paper stock from your own source show the paper requirements outlined in this section to the sales representative If you are uncertain about the characteristics of your paper stock TROY s state of the art paper and print quality laboratory will test your paper forms and print quality for a nominal fee For more information on this service or to obtain TROY premium quality check paper call 949 250 3280 NOTE This section provides details for MICR specifications and guidelines that apply to the United States For information on International MICR specifications and guidelines refer to the ISO 1004 standards document MICR by TROY MICR by TROY MICR Basics Handbook Document 50 70300 001 Rev A 4 Section 4 Selecting Check Paper and MICR Toner Basis Weight ANSI Sta
6. wide band located in the middle of the 5 8 wide clear band at the bottom of the check The left hand transit symbol must be located in position 43 within the 1 4 band Ensure that only E 13B MICR characters appear in the 5 8 clear band Since all printing generated by the printer is magnetic it is extremely important that borders signatures or any other characters do not intrude into the clear band NOTE If the template indicates problems check obvious reasons such as improper cutting of the paper or printer misfeeds MICR Basics Handbook Document 50 70300 001 Rev A 3 1 9 lt Section 3 MICR Quality Control Check Quality Requirements Refer to ANSI Specification X9 27 Print Specifications for Magnetic Ink Character Recognition for more details on check quality requirements Dimension The width of horizontal and vertical bars is to be 0 013 using average edges The nominal edge dimension tolerance is 0 0015 using average edges Minimum width of horizontal bars is to be 0 011 using average edges Irregular Edge Edge irregularities may extend 0 0035 from the nominal edge dimension No more than 25 of the edge may be present in the zone which begins 0 0015 away from the nominal edge and extends out to 0 0035 away from the nominal edge Edge irregularities that exceed 0 0035 zone are treated and measured as character edge irregularities Edge irregularities that exceed the 0 0035 zone are treated
7. 332 MICR 6427 What is MICR Printing MICR is an acronym for Magnetic Ink Character Recognition MICR technology uses magnetically chargeable ink or toner to print the numbers and special characters on the bottom of checks or other financial transaction documents The numbers usually include the account number from which the money will be drawn the identification number and routing and transit of the check for the bank where the account resides MICR technology is used in the banking industry in many countries because it allows very fast and reliable document processing MICR History In the 1950s the demand for data processing created a need for a mechanized method of check processing United States banks bankers machine manufacturers and check processors formed several committees to suggest solutions The ultimate result of these committees was adoption of the E 13B Magnetic Ink Character Recognition in 1958 by the American Bankers Association ABA This E 13B system uses specially shaped characters which are printed on the bottom of bank documents Soon after almost all checks produced in the United States and many other nations were magnetically encoded with E 13B characters Much of the E 13B information was then accepted by the American National Standards Institute ANSI and incorporated into several specifications for MICR printing Today these specifications are made available by ANSI which defines in detail the formation o
8. LEIROL LOL LLLI 4 3 lotiverunnlee M 4 3 Preprinted Stock err A E AO E E 4 3 Pap r Storage 4 4 Getting More Help with Check Paper ener 4 4 sisse rali M dE 4 4 Toner StOPa GC c 4 5 POMP CVAtUre ss E 4 5 MOISUUEG eet uh ergab pete MAN ESTRENA ooanetaasssanted ER SR E MEN E SERRE EVE AR RE 4 5 Toner Recyclih Gis EEEE 4 5 Conventions This guide uses these conventions Bold indicates emphasis or a minor heading Italic refers to a document title or is used for emphasis COURIER type indicates text visible on a computer screen or keys on your computer keyboard DISPLAY FONT indicates text visible on the printer control panels display The letter is used in examples to distinguish the small letter 1 from the numeral 1 one The character is used in examples to distinguish the numeral 0 from the letter O lt Esc gt lt CR gt lt LF gt lt FF gt etc are control characters Use a text editor to enter the equivalent of the character For example to get lt Esc gt hold down Ctrl press P and Esc Some text editors may vary NOTE Notes contain important information set off from the text CAUTION Caution messages appear before procedures which if not observed could result in loss of data or in damage to equipment WARNING Warning messages alert you to a specific procedure or pr
9. MICR Basics Handbook a f 7 Worldwide Electric 0 12300 Power Drive 123456 gt Your City USA 12345 12 3456 7890 Liberty Bank pill 1 Main Street Anywhere USA 12345 Memo 042035 55788 0220355578805 Q1 035 55 7B Ae yen NOTE For best results view this document using Adobe Acrobat 5 0 or higher Click on the highlighted text in the table of contents to link directly to that section Document 50 70300 001 Rev A TROY is a registered trademark All other product names mentioned in this publication are trademarks or registered trademarks of their respective companies Information and descriptions contained herein are the property of TROY Systems Inc Such information and descriptions may not be copied disseminated or distributed without the express written consent of TROY Systems Inc This publication is subject to change without notice 2000 TROY Systems International Inc Printed in the United States of America December 2 2000 Table of Contents Section 1 Understanding MICR MMO DUCTION TERRE 1 1 Reference Documents rte ti er eoe eere Y eene sana e dean etulesvausead ded E E E GE 1 1 Year toii 1 1 What is MICR M uA m 1 1 jeHdslva 1 1 International MICR Standards eese nennen nnne eerie 1 2 HOW MICR or c E 1 2 The MICR Check hen
10. Toner Toner Storage Ferromagnetic toners used in the TROY MICR Printer are sensitive to heat and moisture After your toner cartridge arrives it could become damaged if it is not stored in the proper environment If the temperature and moisture ranges in your transportation and or storage area are not within the ranges listed below please arrange new transportation or storage locations Temperature Toner should not be stored in temperatures below zero degrees C 32 degrees F or above 35 degrees C 95 degrees F Toner should not remain at these extremes for 12 hours or longer Operating temperature should be between 10 degrees C 50 degrees F and 32 5 degrees C 91 degrees F Toner should be normalized at printing temperature for a minimum of 24 hours prior to use Do not store toner in direct sunlight near a heat source or in dusty places Moisture Do not store the toner in environments with higher than 65 or lower than 10 relative humidity or with extreme changes in humidity Operating relative humidity should be 20 to 80 Toner Recycling TROY toner cartridges can be returned for recycling into non MICR applications Consult the Installation and Recycling Instruction Guide in the toner cartridge box for additional information MICR Basics Handbook Document 50 70300 001 Rev A 4 5 il D J Q lt
11. able on the next page displays and describes other check elements 9 5303 P x mucus N E Santa Ara C 92 05 5571 O 1234567890 Pay e Memo o e Liberty Bank pilis 1 Main Street Anywhere USA 12345 he345653403 7880wLiciLhur5bE7wB8HO01 231 56 b2d34565390 4 Figure 1 6 Other Check Elements MICR Basics Handbook Document 50 70300 001 Rev A 1 5 Section 1 Understanding MICR Item Description 1 Check Number This is the customers sequential check number 2 Fractional Routing Area The fractional routing numbers numerator is a bank identification code and its denominator is the Federal Reserve district transit symbol 3 Payee The payee is the person or organization to whom the check is made payable 4 Date The date is usually the date approved for payment 5 Convenience Amount Field Provides an area to express the check value in numerals 6 Legal Amount Area This is the negotiable amount of the check expressed in text 7 Signature The signature can be hand signed or digitized 8 Bank Name Address Logo This is the name and address of the account s bank 9 Account Holders Name Account holder s information Address Telephone Your Bank s Concerns Producers of MICR encoded documents must meet ANSI document preparation standards Depending on where a check is deposited it will probably be processed a number of times in m
12. acing The distance between the right average edge of adjacent characters in all fields is to be 0 125 0 010 Skew The maximum character skew allowed is 1 5 degrees measured with respect to the bottom edge of the document MICR Basics Handbook Document 50 70300 001 Rev A 3 2 JD 1 ROY Section 3 MICR Quality Control Document Testing Services The MICR Technology Center provides complete facilities for the testing of your MICR Documents MICR Technology Center 2331 South Pullman Street Santa Ana CA U S A 92705 TEL 800 332 6427 949 250 3280 FAX 949 250 8972 Technical Support TROY Technical Support is available Monday through Friday 6 00 AM to 5 00 PM Pacific Standard time at the following numbers TEL 800 332 6427 949 250 3280 FAX 949 261 4608 MICR Basics Handbook Document 50 70300 001 Rev A 3 3 il D J Q lt Section 4 Selecting Check Paper and MICR Toner Selecting Check Paper During a typical processing cycle a check may pass through high speed readers sorters as many as 30 times If the proper check paper is not used the check could easily become damaged If damage occurs at the beginning of the processing cycle the check may not feed into subsequent machines Damaged documents must be repaired before being re entered into subsequent reader sorter machines Inexpensive paper may save you money in the short term however the finished documents may not
13. actice which if not followed correctly could cause serious personal injury MICR Basics Handbook Document 50 70300 001 Rev A TOC 2 il D J Q lt Section 1 Understanding MICR Introduction Welcome to the world of MICR Magnetic Ink Character Recognition printing Your TROY MICR Printer is the best choice for MICR printing because while others manufacture MICR printers as a sideline TROY specializes in the design and manufacturing of high quality MICR products In this ending its fourth decade manufacturing MICR products TROY continues to be the premier choice for MICR encoding and financial document printing This handbook provides information for using MICR to print checks and other financial documents Reference Documents For additional details on MICR specifications and guidelines refer to these publications e United States Understanding and Designing Checks ANSI X9 TG 2 document published by X9 Secretariat American Bankers Association This publication has additional check standards with detailed ordering information e International ISO 1004 standards document Year 2000 Compliance All TROY products including software and firmware options are designed to operate without date data processing and will operate reliably without interruption into the 21st Century If you have additional questions regarding TROY products or the Year 2000 Compliance please contact a TROY representative at 800
14. ck paper call 949 250 3280 Selecting MICR Toner Use only TROY MICR Toner cartridges in the TROY MICR Printer This is the only toner specifically designed for TROY MICR printing Use of inferior toners may void your warranty and may cause internal damage that will lead to expensive repair Use the TROY MICR toner cartridge with the TROY MICR font both have been optimized to ensure proper density of MICR characters Use of a non TROY product may produce less than optimal results TROY recommends that samples of your documents be tested thoroughly before actual use for volume processing Visually inspect documents for irregularities light or faded print extraneous marks or other imperfections that may make MICR characters unreadable to document processing equipment Always replace the TROY MICR toner cartridge when the printer first displays a LOW TONER message NOTE The print quality of TROY MICR toner cartridges is specifically designed for MICR documents For other applications such as high quality graphics you may want to use the Hewlett Packard toner cartridge when not printing checks If a toner cartridge is removed even for short periods of time it should be placed in a light proof container preferably the original packaging and stored under the conditions described in your HP printer user s manual MICR Basics Handbook Document 50 70300 001 Rev A 4 4 il D J Q lt Section 4 Selecting Check Paper and MICR
15. e bottom of the document called the clear band Figure 1 5 The 1 4 MICR print area should be centered inside the 5 8 clear band area leaving a 3 16 space above and below the MICR print area The Clear Band 1 4 MICR Print Area 5 8 Clear Band 3 16 space above and below the MICR print area NOTE If a check is printed at the bottom edge of the page TROY recommends that the bottom of the MICR characters be at least 1 4 from the bottom of the check Figure 1 5 The Clear Band ANSI specifications state that the clear band must be a minimum of 5 8 0 625 high measured from the bottom of the check Within the clear band the bottom of the MICR line should be 3 16 0 187 up from the bottom of the check If a check is printed at the bottom edge of the page TROY recommends that the bottom of the MICR characters be at least 1 4 from the bottom of the check instead of the minimum ANSI specification of 3 16 TROY recommends this additional margin of safety to compensate for some papers that may have inherent curling The entire clear band MUST be free of any other printing including digitized signatures or any artwork NOTE Itis very important that the MICR line be properly positioned within the clear band area If not the reader sorter machines at your bank may not be able to read the information and the check could be returned as non negotiable rejected Other Check Elements Figure 1 6 below and the t
16. e tret pre A necp METRE HRIUTI RE Sendsaanduleadvacersauaacsertesaseeloevans 1 2 udo 1 3 The MICR Line ertet eta tto RR E ases oreet eden iav Piae oven bna e Rory ooo esa se ede nd ba torva 1 3 hudcninfddie 1 4 On Us PIC M LEE 1 4 Transit FIO m 1 4 EPC External Processing Field 4i e ete retener ceavundeseedensadvanbea E A R EAEE 1 4 Auxiliary On Us Field rere Ee Ine ides sa tdt E Rae epa eda bate abe cdatasssertveetas 1 4 MICR Line Placement The Clear Band sss nennen nnn nnns 1 5 Other Check Elements 52 2 rrr titer iein e ie i e E R iiir s i a EES 1 5 Your B nk R6 I uL E 1 6 The Bank Specification Form sssssesseseeseeeee ene nennen nnne rennen eren 1 6 Where to Get More Help with MICR ssssssssssseseseee ener nnn nri inneren nns 1 6 Section 2 Creating MICR Documents MICR Formatting Standards sees eene enne entren enne 2 1 Check EM PL M 2 2 Digitized Signature Placenient 12 teda epe iei pe te e reet iei pes hes pesti reprise RUE eb a 2 3 Section 3 MICR Quality Control Using the TROY MICR Document Template eese ener enne 3 1 Check Quality Requiremients iecit re a tS MEEGR ERES RE EH RENE EUR ERR ERU ER YER A Far DEP Ran 3 2 jiu EEUU 3 2 Tireg l r BAS e
17. ecks or have custom checks printed Additionally most banks will be happy to look over your check layout and help you make any necessary corrections so that your financial transaction documents will flow smoothly through the clearing system Where to Get More Help with MICR TROY strongly recommends that you acquire the ABA documents describing the proper design of checks and placement and use of the MICR line A complete list of ANSI specification documents on MICR printing is contained in the document titled Understanding and Designing Checks ANSI X9 TG 2 MICR Basics Handbook Document 50 70300 001 Rev A 1 6 9 TROY Section 2 Creating MICR Documents MICR Formatting Standards This section provides additional layout and guidelines to assist you in creating financial documents using TROY MICR Printing solutions Use the information throughout this MICR User s Guide as a guideline for creating documents The proper format for a MICR encoded document is determined from these sources e The ANSI X9B MICR standards in the US or the appropriate standards of other countries where applicable e Specific requirements for overall check layout and certain optional fields in the MICR line specified by your bank e Your organizational requirements for check design and accompanying forms such as check stubs or remittances Using commercially available MICR printing software will greatly simplify the task of formatting y
18. ee Section 3 MICR Quality Control for more details Although such printing is acceptable it is possible that a misalignment or mis cutting of a document may cause the printing to move into the MICR Clear Band this can cause misreading NOTE Preprinted check forms are usually printed in color and should always printed with non magnetic inks These inks are not detected by check reading equipment and may appear in the clear band MICR Basics Handbook Document 50 70300 001 Rev A 2 3 9 lt Section 3 MICR Quality Control Using the TROY MICR Document Template This section explains how to check the print quality and positioning of your E 13B MICR printing based on the ANSI X9 TG 2 document For information on international MICR specifications and guidelines refer to the ISO 1004 standards document The quality of the magnetic printing and the print position on checks is critical Use the TROY MICR Document Template Figure 2 1 to check the MICR positioning on your printed checks Additional TROY MICR Document Templates can be ordered using the TROY part number 54 17373 001 NOTE Be sure to print and inspect a sample of your MICR encoded documents whenever you buy new MICR security paper stock change MICR paper types or replace the MICR toner cartridge During development of your check printing program all output should be tested using the MICR document template Each printed check should meet the tolerances and dimens
19. f the E 13B characters MICR line placement the components of the MICR line and other components of a bank check Some of this information is also provided in this handbook For more information please refer to the ANSI document titled Understanding and Designing Checks ANSI X9 TG 2 MICR Basics Handbook Document 50 70300 001 Rev A 1 1 il D J Q lt Section 1 Understanding MICR Specially designed E 13B or CMC 7 fonts are used for magnetically reading financial documents The following table lists the countries currently using E 13B or CMC 7 Australia United Kingdom South America except Colombia India Mexico Colombia pu Turkey Within the next few years most of the economically developed developing countries will have installed or will be installing MICR processing systems As for MICR printing no other financial processing system of the electronic age is so widely recognized for its reliability durability and economic feasibility No other payment transfer system is so broadly accepted by the business community and general public International MICR Standards This TROY MICR Basics Handbook provides details for MICR specifications and guidelines that apply to the United States For information on International MICR specifications and guidelines refer to the ISO 1004 standards document How MICR Works The E 13B information needed by clearing houses and banks is printed in magnetic ink nea
20. ions outlined in this section Part Number 54 17373 001 TROY MICR DOCUMENT TEMPLATE come E13B CHARACTER SET Successtul NICA Printing Requires 0234567 8 ANCR Clear Band Orty MICR hareton wo atana MICA boner or other magwtic material oe Mam ar back SYMBOLS oo iai Hi TRANSIT L Horizontal Charsctar Position Edge of doesnt shoud be witty the Haranta Fage Tawana Zane when transit AMOUNT characters are positioned andas thase on the tarpiate ON US Vertical Character Position Entire MIOR line shoukl be between the top and batian of the character pasition biocka DASH Character Print Quality Good eth ro voids or breaks and no visual ding soraes he page Correct Data Numbers and symbcls shoud b correct anc T comec posmos Character Shew MIC Car Sand Honzonta Doge TROY RECOMMENDED MICR CHAR BASE LINE 1 4 FROM PAGE CHECK BOTTOM f agrees mu ce Tofarance Zone MAK LEIT EDGE OF DOCUMENT LN 5 4 x nw 2 OMT HM T 39 1 170 T4535 1 aa LC errr AUXILIARY ON US HELD HANSIT NO FIELO qj ON us FIELD j AMOUNT FIELD EDGE OF DOCUMENT EDGE OF DOCUMENT Figure 2 1 MICR Document Template not to scale To use the TROY MICR Document Template e Place template on the check and align the right and lower edges or perforations of the check with the long dashed lines on the template marked edge of check e All MICR printing must fall within the 1 4
21. ndard X9 18 specifies that the minimum weight paper is to be 20 pound long grain However due to the rigors of the check clearing process TROY strongly recommends 24 pound paper minimum Stiffness Taber stiffness must be M D 2 5 and C D 1 1 minimum Gurley stiffness must be M D 200 0 and 88 0 Grain Direction Figure 4 1 illustrates grain short or grain long as it applies to checks Clear Band Figure 4 1 Grain Direction If the grain is in the direction of A it would be grain long as it relates to the 8 5 X 11 0 sheet of paper But in relationship to the check it is considered grain short This would most likely result in mechanical failure of the check if it were subjected to more than eight to ten passes in direction C of a reader sorter If the grain is in the direction of B it would be grain short as it relates to the 8 5 X 11 0 sheet of paper But it would yield a grain long check which would hold up far better than the other example up to and exceeding 30 passes in direction C of a reader sorter Keep in mind if you are printing in the landscape mode that the grain long direction in relationship to the check should always be in the same direction that the check moves through the reader sorter MICR Basics Handbook Document 50 70300 001 Rev A 4 2 JD TROY Section 4 Selecting Check Paper and MICR Toner Moisture This is the ratio of moisture to the dry mass of the pape
22. ne check per page or several checks per page Figure 2 1 displays several multi up layouts L 85 um oe amp 85 om Clear Band Clear Band 11 ce 11 Check Clear Band Clear Band Clear Band Four Up Three Up 2 75 x 8 5 w Stub 3 66 x 8 5 8 5 7 0 uU c S 8 5 m G 2 o 14 _ 8 5 Clear Band 7 7 5 Figure 2 1 Additional Check Layouts MICR Basics Handbook Document 50 70300 001 Rev A 2 2 1 ROY Section 2 Creating MICR Documents Digitized Image Placement It is mandatory that no other printing besides the MICR line appear in the clear band area It is important when designing checks that digitized images do not intrude into the clear band area This will cause the check to be rejected by the clearing houses and bank institutions refer to Figure 2 2 below Correct Signature Placement Jane Jones 12345 Joe Jones The Clear Band Incorrect Signature Placement Jane Jones 12345 Joe Jones The digitized signature must not intrude into the clear band area lt lt ff Fg 4 72 The Clear Band NELLE Figure 2 2 Proper Signature Placement It is important that logos text or signatures printed with MICR toner in your TROY printer do not extend into the clear band You can use the TROY Document Template to determine if any other printing is near the MICR Clear Band S
23. ng of a finished document Burst strength should be 24 Ib Minimum Perforations Laser cut perforations are strongly recommended Perforations should be 90 degrees to the paper edges Perforations both horizontal and vertical should permit easy separation but should not tear or catch in ordinary handling or feeding Perforations must not cause excessive peaking or tenting of the form Peaks shall not exceed 005 when the form is spread relaxed on a flat surface Packaging Paper should be packed for shipment so it arrives at the destination in good condition without deformation creasing damaged corners or other damage The paper should be supplied in a box that can be easily opened The box should be strong enough to protect the contents from damage during normal commercial handling stacking and transportation Preprinted Stock If you are using pre printed stock in the TROY MICR Printer make sure it is pre printed on the curl up surface the natural curl direction of the paper Make sure inks on this stock are heat resistant and are designed for use in xerographic copiers Temperatures in the TROY printer fuser section reach approximately 183 degrees C 359 degrees F Therefore the ink should not melt or release hazardous gases or be flammable when subjected to such temperatures The ink should be highly oil resistant especially against silicon oil and should not be affected by resin components contained in toner MICR Basics Handbook
24. ollars leading zeros filled from the left and position 12 is the amount symbol The amount field is designated as a fixed field that cannot be changed by the bank On Us Field The on us field occupies positions 13 32 on the MICR line Occupying nineteen spaces each 1 8 0 125 wide and to the right of the transit field This is not a fixed field and is normally used by the bank for account number information bank identification check numbering or other special codes An on us symbol must appear to the right of the last account number digit The four characters to the right of the on us character positions 13 16 are for special bank use Transit Field The transit field is sometimes referred to as the routing field and occupies positions 33 43 on the MICR line The routing field is reserved for the combined transit and routing codes used to direct the check as it passes through the system This code is also referred to as the bank code Because the numbers in this field are specially assigned the transit field is designated as a fixed field that cannot be changed by the bank Referring back to Figure 1 4 on the previous page position 33 is the transit symbol position 34 is the check digit position 35 38 is the bank number position 39 42 is the routing number and position 43 is the transit symbol EPC External Processing Field The field immediately to the right of the auxiliary on us field is a one digit field called the EPC Ex
25. our MICR encoded documents With the proper MICR software you may simply need to provide data such as the account number bank name and bank address The software will automatically place this information into a check format Follow the directions in the documentation provided with your MICR software TROY recommends that you obtain a copy of your bank s specification sheet for the layout of checks to be drawn on that bank If you are designing your own MICR encoded documents refer to ANSI X9B standards as well as your bank s specification sheet for check layout TROY recommends that you follow these specifications carefully to prevent reader sorter machine rejects of checks You are responsible for ensuring that all MICR encoded documents are formatted correctly and meet the guidelines established by the ANSI X9B standards committee in the USA the banking industry and the particular institutions with which you conduct business TROY cannot be responsible for failure to meet these guidelines CAUTION Itis strongly recommended that only TROY products MICR paper MICR toner and MICR system hardware be used with your printer to prevent reader sorter machine rejects of your checks which may result in higher processing costs for institutions that handle the documents you produce MICR Basics Handbook Document 50 70300 001 Rev A 2 1 il D J Q lt Section 2 Creating MICR Documents Check Layout Checks may be printed o
26. r Paper moisture content should be between 4 7 and 5 5 Porosity Paper Porosity is defined as the resistance of paper to the passage of air under a specified pressure through the paper This is measured as the average time in seconds required to displace 100 ml of air through a one square inch area of paper under a pressure of 4 88 12 4 cm of water Minimum porosity should be 12 secs Gurley Security Paper To prevent counterfeiting unauthorized reproduction and or alterations to the check use a security paper stock Some newer security check papers use a background pattern called a pantograph Additionally when some of these papers are photocopied the word VOID becomes visible in the check area There are many other security features that can be incorporated into checks depending on the institution generating the checks Smoothness Sheffield paper smoothness is the rate of flow of air under constant pressure between paper and a smooth steel plate against which the paper is held by two concentric annular lands A paper stock that is either too smooth or too rough will cause poor MICR print quality that may result in read errors of the MICR line in the check reader sorter Paper smoothness must be 100 170 Sheffield Reflectance Reflectance should be 60 minimum Tear Tear should be M D 55 and C D 67 0 minimum Elmendorf Burst Strength Burst represents a measure of internal strength relative to basic strength or handli
27. r the bottom of the document After printing the documents are then processed mechanically and electronically through a reader sorter machine This machine magnetically reads pertinent information about the check including the amount of the check account number institution upon which the check was drawn and other miscellaneous transaction codes During the clearing process the E 13B characters are read several times at extremely high speeds less than 1 1000th of a second per character Therefore for MICR to work successfully the MICR characters must be accurately printed on a document according to precise specifications The MICR Check This section provides information about the design and printing of MICR checks A typical business check is shown below in Figure 1 1 TROY Systems 5303 2331 South Pullman St 12 3456 7890 Santa Ana CA 92705 PAY TO THE ORDER OF DOLLARS MEMO igi3htLS5b5b5303 u7TBRHOw Lb 3hn55b7 BHO0L1ci3 SB iciN 5B55303ix Figure 1 1 Typical MICR Check MICR Basics Handbook Document 50 70300 001 Rev A 1 2 Section 1 Understanding MICR Check Size ANSI specifies that check width must be at least 6 00 and not more than 8 75 Check height must be at least 2 75 and not more than 3 66 see Figure 1 2 below 8 75 Maximum Check Size 6 00 Minimum Check Size Figure 1 2 Minimum and Maximum Check Size The MICR Line The E 13B MICR characters Figure 1 3
28. ternal Processing Code field The field is either but not both positions 44 or 45 of the MICR line This field is strictly controlled by the ASC Accredited Standards Committee X9B It is used for specific purposes The EPC field cannot be used without written authorization from the ASC X9B Auxiliary On Us Field The auxiliary on us field occupies positions 45 and on up to any number of digits that fit the size of the check digits may not extend further than 1 8 from the edge of the check on the MICR line The limits on the number of digits in this field are dictated by the length of the check and programming requirements of check printing software packages The auxiliary on us field is not present on small format checks e g 6 personal style checks as it would extend past the end of the check On larger format business checks this field is allowed to the left of the transit number field The auxiliary on us field usually contains the check serial number and it may also contain accounting control information specific to that account The characters in this field are usually the MICR consecutive numbering of the checks The characters here must always be immediately preceded by and followed by an on us symbol MICR Basics Handbook Document 50 70300 001 Rev A 1 4 il D J Q lt Section 1 Understanding MICR MICR Line Placement The Clear Band MICR line placement is critical The line must be printed in an area at th
29. ultiple banks and Federal Reserve centers It will be sorted and tabulated with thousands of other checks on reader sorter equipment designed to read MICR characters at high speed If it does not meet the requirements established for MICR printing your check may be rejected by a reader sorter and the institution handling your check will have to process it manually Manual processing costs the bank additional money and it has become common for the bank to charge the customer for rejected checks If your checks are rejected the bank may require you to correct the problem and you may be subject to a manual processing fee for each rejected check The Bank Specification Form The primary guide to the proper contents of the MICR line is provided by the Bank Specification Form A sample of a simplified typical specification form is shown in the document titled Understanding and Designing Checks ANSI X9 TG 2 Usually the specification form is the vehicle for the financial institution to provide the definition of the proper contents of the MICR line to its customer This form or a related document is to be used to convey any information regarding the approval requirements for check formats and to specify any document testing procedures that may be required You can consult your bank and request a copy of their bank specification form MICR printing specification Most banks have these forms available for customers who wish to print their own ch
Download Pdf Manuals
Related Search