Generic MICR Fundamentals Guide
Document Specifications form
For accurate formatting of the entire MICR line, each bank
should provide a MICR Document Specifications form to identify
the proper contents of the various character positions. (Refer to
figure 4-4). The MICR Document Specifications form includes:
•
The account number, title, and address
•
General specifications regarding check size and format
•
The position of the control characters and digits that will be
entered into the routing field
•
The structure of the On-Us and Auxiliary On-Us symbols
•
General specifications regarding the quality control
procedures of the bank
Each MICR symbol, and the numbers or spaces between those
symbols, must be properly registered so that the fields do not
flow into one another.
The exact field structure depends on the national standards.
Field lengths may vary as a function of the national requirements
and even the detail usage of the symbols may be different. For
example, although Australia uses the same length and
bracketing structure for the Amount field as the U. S., their
"starts" are equivalent to the Transit field with a Transit symbol,
but they "close" with an On-Us symbol.
Even within the national standards, variation can exist within
fields. It is always best to identify the required field structure
through the use of the bank's MICR Document Specifications
form for a specific account.
Document design
4-11