Reading cheque MICR code

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Reading cheque MICR code

Canadian Cheques

If you are interested in detailed information about the MICR (Magnetic Ink Character Recognition) coding on cheques, we have a useful reference document from the Canadian Payments Association that can be downloaded from our web site by clicking the link below.

Specifications for MICR Encoded Cheques

Cheque_CAD

Reading the code on cheques is very straight forward. From left to right on the above sample:

825

The cheque number. Ignore this value.


85432

Transit or Bank Branch.

884

Bank or Financial Institution.

1574-620

Account Number.

Note: excluding dashes, this must be 7-12 digits. If the account number has more than 12 digits, it is not a type of account that may be used for EFT processing.

The image below shows the sample information entered into The Scheduler. Leading zeros in the Transit and Bank will not be displayed. The Scheduler knows the values are 5 and 4 digits respectively (even though only 3 digits show for the Bank on the cheque). If the Account number starts with a zero, this will display.


Transaction

US Cheques

As well as spelling cheque wrong... the US layout is different.

Cheque_US

211554485

Routing Number (always 9 digits).

0012

The check number. Ignore this value.


1456874801

Account Number.


US Transaction