Standards & compliance

Built to the specs your bank checks against.

Cheques are one of the few documents whose physical layout is governed by a published, enforced standard. CheckYourself ships compliant the moment you install — no certifications to chase, no MICR fonts to buy, no manual adjustments after the bank rejects your first run.

ANSI X9.100-20

The current US cheque image specification, governing field placement, clear zones, image quality, and MICR.

CPA Standard 006

Payments Canada's specification for Canadian cheques and image-exchange clearing.

E-13B MICR

The magnetic-ink character font that makes the funny numbers along the bottom of a cheque machine-readable.

United States

ANSI X9.100-20

ANSI X9.100-20 is the active American National Standard for paper cheques and their digital images, maintained by the Accredited Standards Committee X9. CheckYourself conforms to the current revision on every point that affects bank acceptance.

  • MICR placementLine positioned in the 5/8" band along the bottom edge, with proper field separators and check-digit logic.
  • Clear zonesRequired keep-out zones for printing and signature areas are preserved on every layout.
  • Image qualityOutputs render at the resolution and contrast needed for Check 21 image-exchange and remote-deposit capture.
  • Routing & account field structure9-digit ABA routing transit, account number, and serial number formatted per the standard's symbol sequence.
Canada

CPA Standard 006

Payments Canada's Standard 006 governs cheques cleared through the Automated Clearing Settlement System (ACSS) and the image-exchange pipeline used by every Canadian bank. CheckYourself's Canadian output passes scan-and-clear at major banks without manual adjustment.

  • Transit + institution numbers5-digit transit and 3-digit institution numbers formatted in the CPA-required positions.
  • USD-funds transaction codesCanadian accounts holding USD funds use the correct transaction codes automatically.
  • Image-exchange readyOutput meets the contrast, dimensions, and field placement required for Canadian image-exchange clearing.
  • Mobile-deposit verifiedFirst-pass reads on branch scanners and mobile-deposit cameras at Canada's five largest banks.
The magnetic line

E-13B MICR, baked in

No drivers, no font installs, no calibration prints to waste

MICR — Magnetic Ink Character Recognition — is the technology that makes the funny-looking numbers at the bottom of a cheque machine-readable. The E-13B font, designed in the 1950s and standardized worldwide, encodes routing, account, and serial information into magnetic ink that bank scanners read in milliseconds.

CheckYourself ships with E-13B embedded inside the app — no separate font install, no licensing to chase, no driver to maintain. The font is scaled and spaced to the exact density required by ANSI X9.100-20 and CPA 006.

E-13B SAMPLE
⑈1042⑈ ⑆12345⑉001⑆ 6789 0123 456
Serial · Transit + Institution · Account

Note on ink: for full magnetic readability, banks recommend MICR toner. Most modern laser printers using standard toner will still produce optically-readable MICR lines that clear through the image-exchange systems used at every major North American bank.

Verified compatibility

Cheques that clear, first try

Tested through branch deposit, mobile deposit, ATM imaging, and ACH

Branch deposit

Teller scanners read MICR on the first pass.

Mobile deposit

Phone camera captures clear under typical lighting.

ATM imaging

No-envelope deposit terminals accept the image.

ACH processing

Image-exchange and electronic conversion both supported.

Compatibility verified across major US and Canadian banks. Individual bank policies on accepting non-bank-printed cheques vary; consult your bank if you're unsure whether they accept personally-printed cheques on blank stock.

Compliance, without configuration

The right standards, built in from day one

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