A B C D
Just a few notes on
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.
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.
The 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 ...
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
- 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.
Checks that don't fit
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
would be entered
as the following:
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
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
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