7 User's Guide
A B C D
Just a few notes
on check symbology.
For your checks and
drafts to be accepted by the banks, and processed properly, you
must follow proper printing procedure. This includes
having all of the MICR line at the bottom of the check, exactly
as it appears on the original check issued by the bank.
EXAMPLES OF VARIOUS FORMATS
Either of the above formats can be interchanged.
The check number is offset with the C symbol.
The Routing/Transit/Bank number is 9 digits in the US. In
Canada it is 8 with a D symbol
in the middle.
The routing number will always be between
The account number is usually, but not always 10 digits long,
but can be as small as 6 or as many as 18 digits.
best way to take the information over the phone:
ask the customer for account information, explain to them how
you want the information.
and most accurate way to get the proper formatting for the
variety of different banks, is to ask the customer for the least
possible amount of information...leave nothing to
chance...simply say to the customer this sentence ...
"There is a
series of symbols and numbers at the very bottom of the check,
starting from left to right, when you see a symbol, say the word
'symbol' and when you see a number tell me what number it is..."
- For this example,
you want the customer to say the following:
001234567Symbol 987654321 Symbol 0101"
You will write or type
Now you have a visual
picture of the customer's check so you can code it properly.
Once you take a few this way, you will get the hang of coding
over the phone.
that don't fit the
You may encounter
NON-STANDARD Checks. These checks do not have the check
number "off to the side," but incorporate the check number
within the account number.
See the following formats:
Bank of America
Many, but not all
Bank of America checks have the routing number first, then the
check number and account number following.
To code a check like this, you must use the "Custom Check" line.
You will use the key below to type the account number exactly as
you see it, including all spaces and symbols.
would be entered as
Don't forget to include the check number in the check field
under "Draft Information" so the check number will print on the
top right of the check.
The way you can tell if the check is going to be non-standard,
is to ask for the check number first, then you look for the
check number to the extreme left or right for a standard check
and in the middle for non-standard.
If the account number has a symbol within, this does not
necessarily require you use the Custom Check field.
Some banks will have account numbers like this:
This can be typed right into the standard
check field as 12345D45678 and
will print properly with the D symbol
in the account.
The best way to be positive when coding your check is to have a
fax copy of the original. This way there is no question.
If you take payment by phone, you will quickly learn to
distinguish different account types and can relax your phone
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