ANSI X9.100-160-1–2015 Magnetic Ink Printing (MICR) Part 1 ......American National Standard for...

American National Standard for Financial Services

ANSI X9.100-160-1–2015 Magnetic Ink Printing (MICR)

Part 1: Placement and Location

Developed by Accredited Standards Committee X9, Incorporated Financial Industry Standards

Date Approved: November 13, 2015

American National Standards Institute

American National Standards, Technical Reports and Guides developed through the Accredited Standards Committee X9, Inc., are copyrighted. Copying these documents for personal or commercial use outside X9 membership agreements is prohibited without express written permission of the Accredited Standards Committee X9, Inc. For additional information please contact ASC X9, Inc., 275 West Street, Suite 107, Annapolis, MD 21401, USA.

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Contents Page

Foreword ................................................................................................................................................. vi

Introduction ............................................................................................................................................ vii

1 Scope ............................................................................................................................................1

2 Normative References.................................................................................................................1

3 Terms and Definitions .................................................................................................................1

4 Symbols and abbreviated terms ................................................................................................5

5 Dimensions and positioning ......................................................................................................5 5.1 Reference edges ..........................................................................................................................5 5.1.1 Horizontal dimensions ................................................................................................................5 5.1.2 Vertical dimensions .....................................................................................................................5 5.2 Document size limits ...................................................................................................................5 5.3 MICR clear band ..........................................................................................................................5 5.4 Optical clear band .......................................................................................................................5 5.4.1 Optical print band location .........................................................................................................5 5.4.2 Optical print band PCS ...............................................................................................................5 5.4.3 Printed borders within the optical print band ..........................................................................6 5.5 MICR print band ...........................................................................................................................6 5.5.1 Dimensions of the MICR print band ..........................................................................................6 5.5.2 Printing MICR characters within the band ................................................................................6 5.5.3 Space limitations for personal-size documents .......................................................................6 5.5.4 Space limitations for business size documents (greater than six inches) ...........................6

6 Character spacing .......................................................................................................................6 6.1 Adjacent characters when printed with same technology ......................................................7 6.2 Adjacent characters when printed with different technologies .............................................7 6.3 Two characters separated by one space when printed with same technology ....................7 6.4 Two characters separated by one space when printed with different technologies ...........7 6.5 Amount field encoding................................................................................................................7 6.5.1 Amount symbol that is adjacent and printed with same technology at same time .............7 6.5.2 Amount symbol adjacent printed with different technology or at different time..................8 6.5.3 Amount symbol separated by one space printed with same technology at same time ......8 6.5.4 Amount symbol separated by one space printed with different technology or different

time ...............................................................................................................................................8 6.6 Sequential numbering .................................................................................................................8 6.6.1 Sequential numbering that is adjacent and printed with same technology at same time ...8 6.6.2 Sequential numbering that is adjacent printed with different technology or at different

time ...............................................................................................................................................8 6.6.3 Sequential numbering separated by one space printed with same technology at same

time ...............................................................................................................................................8 6.6.4 Sequential numbering separated by one space printed with different technology or at

different time ................................................................................................................................8 6.6.5 Transaction codes .......................................................................................................................9 6.6.6 Transaction code that is adjacent and printed with same technology at same time ...........9 6.6.7 Transaction code that is adjacent but printed with different technology or at different

time ...............................................................................................................................................9 6.6.8 Transaction code that is separated by one space but printed with same technology at

same time .....................................................................................................................................9



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6.6.9 Transaction code that is separated by one space but printed with different technology or at different time ........................................................................................................................... 9

7 Description of fields and use of symbols ................................................................................ 9 7.1 General ......................................................................................................................................... 9 7.1.1 Symbols/Font Set ....................................................................................................................... 9 7.1.2 Positioning and tolerance .......................................................................................................... 9 7.2 Amount field and amount symbol ........................................................................................... 10 7.2.1 Amount field boundaries ......................................................................................................... 10 7.2.2 Amount field format .................................................................................................................. 10 7.3 On-Us field and related symbols ............................................................................................. 10 7.3.1 On-Us field boundary ............................................................................................................... 10 7.3.2 On-Us field format for pre-printed MICR data ........................................................................ 10 7.3.3 On-Us symbol — usage ........................................................................................................... 10 7.3.4 Dash symbol — usage ............................................................................................................. 10 7.4 Routing field and transit symbol ............................................................................................. 11 7.4.1 Routing field location ............................................................................................................... 11 7.4.2 Routing field format .................................................................................................................. 11 7.5 External Processing Code (EPC) field .................................................................................... 11 7.5.1 EPC field boundaries ................................................................................................................ 11 7.5.2 EPC field format ........................................................................................................................ 11 7.5.3 Maximum distance to adjacent fields ..................................................................................... 11 7.6 Auxiliary On-Us field ................................................................................................................ 11 7.6.1 Auxiliary On-Us field location ................................................................................................. 12 7.6.2 Auxiliary On-Us field - maximum distance to adjacent fields .............................................. 12 7.6.3 Auxiliary On-Us field - adjacent character tolerances .......................................................... 12 7.6.4 Auxiliary On-Us field - distance to trailing edge.................................................................... 12 7.6.5 Auxiliary On-Us field - dash symbol use ................................................................................ 12 7.6.6 Auxiliary On-Us field maximum characters ........................................................................... 12

Annex A (normative) Distance Measurement Specifications of MICR Fields: A Normative Alternative to the Use of Character Positions ....................................................................... 23

A.1 Amount field boundaries by measurements.......................................................................... 23 A.2 On-Us field boundaries by measurements ............................................................................ 23 A.3 Routing number field boundaries by measurement ............................................................. 23 A.4 EPC field .................................................................................................................................... 23 A.4.1 EPC field location ..................................................................................................................... 23 A.4.2 EPC boundary provision for checks with no Auxiliary On-Us field .................................... 23

Annex B (informative) Routing Number MICR Format and Check Digit Calculation ................... 24 B.1 General ....................................................................................................................................... 24 B.1.1 Routing number format ............................................................................................................ 24 B.1.2 Routing number check digit .................................................................................................... 24 B.1.3 Routing number check digit calculation ................................................................................ 24

Annex C (informative) Compliance Testing ..................................................................................... 26

Annex D (informative) Metric Conversion Table .............................................................................. 27

Figures Figure 1 – MICR IMPRINT AREA – MASTER LAYOUT ....................................................................... 13 Figure 2 − Example of MICR encoding on a six-inch check .............................................................. 15 Figure 3 – Example of MICR encoding on a check longer than six inches ..................................... 15 Figure 4 − Distance between characters ............................................................................................. 16



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Figure 5 − Distance between characters with one blank space ....................................................... 16 Figure 6 – Bank printing of amount ..................................................................................................... 16 Figure 7 – Account number and consecutive numbering printed by different methods ............... 17 Figure 8 – Amount data and transaction code printed simultaneously .......................................... 17 Figure 9 – Spacing allowance when adjacent characters are from different print methods ......... 17 Figure 10 – Amount field with amount data printed .......................................................................... 18 Figure 11 – On-Us field with 20 character spaces ............................................................................. 18 Figure 12 − EPC adjacent to both Auxiliary On-Us and Transit Symbols ....................................... 18 Figure 13 − EPC on a six-inch check, Transit Symbol in space 43 .................................................. 19 Figure 14 – Auxiliary On-Us field ......................................................................................................... 19 Figure 15 – Auxiliary On-Us field at maximum permissible distance from Transit Symbol .......... 19 Figure 16 − Auxiliary On-Us field at maximum permissible distance from EPC ............................ 19 Figure 17 − Auxiliary On-Us field printed adjacent to Transit Symbol ............................................ 20 Figure 18 − Distance from check trailing edge to auxiliary On-Us field .......................................... 20 Figure 19 – Serial number follows account number .......................................................................... 20 Figure 20 – Serial numbering precedes account number ................................................................. 20 Figure 21 – Limits for non-magnetic printing within the MICR Clear Band ..................................... 21



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Foreword

Approval of an American National Standard requires verification by ANSI that the requirements for due process, consensus, and other criteria for approval have been met by the standards developer.

Consensus is established when, in the judgment of the ANSI Board of Standards Review, substantial agreement has been reached by directly and materially affected interests. Substantial agreement means much more than a simple majority, but not necessarily unanimity. Consensus requires that all views and objections be considered, and that a concerted effort be made toward their resolution.

The use of American National Standards is completely voluntary; their existence does not in any respect preclude anyone, whether he has approved the standards or not from manufacturing, marketing, purchasing, or using products, processes, or procedures not conforming to the standards.

The American National Standards Institute does not develop standards and will in no circumstances give an interpretation of any American National Standard. Moreover, no person shall have the right or authority to issue an interpretation of an American National Standard in the name of the American National Standards Institute. Requests for interpretation should be addressed to the secretariat or sponsor whose name appears on the title page of this standard.

CAUTION NOTICE: This American National Standard may be revised or withdrawn at any time. The procedures of the American National Standards Institute require that action be taken to reaffirm, revise, or withdraw this standard no later than five years from the date of approval.

Published by

Accredited Standards Committee X9, Incorporated Financial Industry Standards 275 West Street, Suite 107 Annapolis, MD 21401 USA X9 Online http://www.x9.org

Copyright © 2015 ASC X9, Inc.

All rights reserved.

No part of this publication may be reproduced in any form, in an electronic retrieval system or otherwise, without prior written permission of the publisher. Published in the United States of America.


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Introduction

This publication is a revision of American National Standard Specifications for Placement and Location of MICR Printing, X9.13-1999. The material presented in this standard is a result of the combined efforts of financial institutions, check printers, business forms manufacturers, software suppliers and manufacturers of processing and test equipment for the financial services industry. This standard specifies the check sizes and the printing format for the various fields contained on the check. The continued successful use of this standard in the United States payments system justifies the reissuing of this standard with revisions that bring it up to date.

The revisions issued in 1983 and 1990 changed the original by providing for a new field, the External Processing Code (EPC), with additional tolerance for proper printing, added rules governing the distance between the routing and auxiliary On-Us fields on checks, established a rule requiring an On-Us symbol to start and stop a serial number in the auxiliary On-Us field.

Building on the 1990 document, a 1999 revision incorporated an expanded definitions section and provided for an optical clear band along the aligning edge of the document in addition to the already familiar MICR clear band. In addition, rules governing the spacing tolerances between printed characters both within fields and between fields, and from document edges and printed characters have been clarified. Finally, a normative annex addressing approved EPC applications was added along with an informative annex to enable metric conversion of the dimensions referenced in this standard.

In the 2004 revision, the normative annex for EPC applications was removed and replaced by a new standard part 2 (ANSI X9.100-160-2) covering the same material. That revision also created a new limit of 17 MICR characters in the auxiliary On-Us field. Previously, the number of characters in this field was constrained by the length of the check (up to 21 characters could be printed). The 17-character maximum is necessary to insure interoperability between this and other X9 standards that support electronic interchange and the creation of IRDs (substitute checks).

While this revision makes no substantive changes to MICR printing, and does not attempt to alter allowable characters contained within the On-Us or auxiliary On-Us fields, the use of dashes in either field, or of embedded or trailing On-Us symbols within the On-Us field, is considered non-traditional and should be examined for alternatives. There is a strong desire to eliminate these usages from this standard as changing check capture platforms to reproduce these formats is seen as major obstacle to full adoption of Check 21. Users of this standard are strongly cautioned that future changes should be expected. If it is necessary to eliminate dashes sooner that the next 5-year review will allow, this standard may be opened early to address that need. While seldom if ever used, this revision does now eliminate the option to print the EPC field in MICR Position 45; thus, EPC is now restricted to be only printed in MICR Position 44, as originally designated.

It is important to note that ASC X9 is responsible for the assignment of EPC digits (see X9.100-160-2) for specific future applications as well as the monitoring of their use within the check processing community. It is expected that printers of checks will continue to exercise careful concern for all of the considerations specified in this standard in order to ensure maximum performance and continued success.

Suggestions for the improvement or revision of this Standard are welcome. They should be sent to the X9 Committee Secretariat, Accredited Standards Committee X9, Inc., Financial Industry Standards, 275 West Street Suite 107, Annapolis, Maryland 21401, USA.



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This Standard was processed and approved for submittal to ANSI by the Accredited Standards Committee on Financial Services, X9. Committee approval of the Standard does not necessarily imply that all the committee members voted for its approval.

At the time this standard was approved, the X9 committee had the following members:

Roy C. DeCicco, X9 Chairman Claudia Swendseid, X9 Vice Chairman Steve Stevens, X9 Executive Director Janet Busch, Managing Director

Organization Represented Representative

ACI Worldwide ......................................................................................................... Doug Grote American Bankers Association ................................................................................ C. Diane Poole Bank of America....................................................................................................... Daniel Welch Bank of New York Mellon ........................................................................................ David Goldberg Blackhawk Network ................................................................................................. John Silveria Certicom Corporation ............................................................................................... Daniel Brown Citigroup, Inc. ........................................................................................................... Karla McKenna CLS Bank ................................................................................................................. Ram Komarraju CUSIP Service Bureau ............................................................................................ James Taylor Diebold, Inc. ............................................................................................................. Bruce Chapa Discover Financial Services ..................................................................................... Michelle Zhang Federal Reserve Bank ............................................................................................. Claudia Swendseid First Data Corporation ............................................................................................. Rick Van Luvender FIS ........................................................................................................................... Stephen Gibson-Saxty Fiserv ....................................................................................................................... Dan Otten Gilbarco .................................................................................................................... Bruce Welch Harland Clarke ......................................................................................................... John McCleary Hewlett Packard ....................................................................................................... Susan Langford IBM Corporation ....................................................................................................... Todd Arnold Independent Community Bankers of America ......................................................... Cary Whaley Ingenico ................................................................................................................... Steve McKibben J.P. Morgan Chase .................................................................................................. Roy DeCicco KPMG LLP ............................................................................................................... Mark Lundin MasterCard Europe Sprl .......................................................................................... Mark Kamers NACHA The Electronic Payments Association ........................................................ Robert Unger National Security Agency ......................................................................................... Paul Timmel NCR Corporation ..................................................................................................... Steve Stevens Oberthur ................................................................................................................... Russell Conser Office of Financial Research, U.S. Treasury Department ....................................... Con Crowley Petroleum Convenience Alliance for Technology Standards (PCATS) ................... Michael Davis Petroleum Convenience Alliance for Technology Standards (PCATS) ................... Gray Taylor RMG-ISITC .............................................................................................................. Genevy Dimitrion RouteOne ................................................................................................................. Chris Irving SWIFT/Pan Americas .............................................................................................. Frank Vandriessche Symcor Inc. .............................................................................................................. Brian Salway TECSEC Incorporated ............................................................................................. Ed Scheidt The Clearing House ................................................................................................. Sharon Jablon U.S. Bank ................................................................................................................. John King USDA Food and Nutrition Service ........................................................................... Kathy Ottobre Vantiv LLC ............................................................................................................... Patty Walters



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VeriFone, Inc. ........................................................................................................... Dave Faoro VerifyValid................................................................................................................. Paul Doyle VISA .......................................................................................................................... Kim Wagner Wells Fargo Bank ..................................................................................................... Mark Tiggas At the time this standard was approved, the X9AB subcommittee on Payments had the following members:

Daniel Welch, Chairman Jackie Pagán, Vice-Chairman John McCleary, Vice-Chairman Alan Thiemann, Vice-Chairman Organization Represented Representative

All My Papers ........................................................................................................... Ray Higgins All My Papers ........................................................................................................... Larry Krummel American Bankers Association ................................................................................. Tom Judd American Bankers Association ................................................................................. Steve Kenneally American Bankers Association ................................................................................. Diane Poole American Express Company .................................................................................... David Armes American Express Company .................................................................................... Eric Eldridge American Express Company .................................................................................... Farid Hatefi American Express Company .................................................................................... Vicky Sammons American Express Company .................................................................................... John Timar AQ2 Technologies LLC ............................................................................................ Shawn Box BancTec, Inc. ............................................................................................................ Peter Caporal BancTec, Inc. ............................................................................................................ David Hunt Bank of America ....................................................................................................... Andi Coleman Bank of America ....................................................................................................... Kris Krogulecki Bank of America ....................................................................................................... Greg Nixon Bank of America ....................................................................................................... Colleen Powers Bank of America ....................................................................................................... Will Robinson Bank of America ....................................................................................................... Matthew Sharp Bank of America ....................................................................................................... Michael Smith Bank of America ....................................................................................................... Cathy Tuntland Bank of America ....................................................................................................... David Uitermarkt Bank of America ....................................................................................................... Daniel Welch Bank of New York Mellon ......................................................................................... Bryan Kirkpatrick BlackBerry Limited .................................................................................................... Daniel Brown Blackhawk Network .................................................................................................. John Silveria CDP, Inc. .................................................................................................................. Johnny Sena Cipherithm ................................................................................................................ Scott Spiker Citigroup, Inc. ........................................................................................................... Karla McKenna Citigroup, Inc. ........................................................................................................... Luis Meneses Citigroup, Inc. ........................................................................................................... Rene Schuurman Citigroup, Inc. ........................................................................................................... Chii-Ren Tsai CLS Bank.................................................................................................................. Ram Komarraju Conexxus, Inc. .......................................................................................................... Michael Davis Conexxus, Inc. .......................................................................................................... Gray Taylor Conexxus, Inc. .......................................................................................................... Alan Thiemann Conexxus, Inc. .......................................................................................................... Linda Toth Deluxe Corporation ................................................................................................... Angela Hendershott Deluxe Corporation ................................................................................................... Margiore Romay



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Deluxe Corporation .................................................................................................. Andy Vo Diebold, Inc. ............................................................................................................. Bruce Chapa Discover Financial Services ..................................................................................... Gordon Searle Discover Financial Services ..................................................................................... Brenda Tobias Discover Financial Services ..................................................................................... Michelle Zhang ECCHO .................................................................................................................... Ellen Heffner ECCHO .................................................................................................................... Phyllis Meyerson Etegrity L.L.C. .......................................................................................................... Penny Tisdale Federal Reserve Bank ............................................................................................. Mary Hughes Federal Reserve Bank ............................................................................................. Kathleen Jacob Federal Reserve Bank ............................................................................................. Mark Kielman Fifth Third Bank........................................................................................................ Craig Jones Fifth Third Bank........................................................................................................ Jerry Poe Fifth Third Bank........................................................................................................ Jonathan Taylor Fifth Third Bank........................................................................................................ Mark Woodward FIS ........................................................................................................................... StephenGibson-Saxty Fiserv ....................................................................................................................... Mary Bland Fiserv ....................................................................................................................... Laura Drozda Fiserv ....................................................................................................................... Allen Heimerdinger Fiserv ....................................................................................................................... Lori Hood Fiserv ....................................................................................................................... Karen Jackson Fiserv ....................................................................................................................... Dan Otten Harland Clarke ......................................................................................................... John McCleary Huntington Bank ...................................................................................................... Jim Posani IBM Corporation ....................................................................................................... Rod Moon IBM Corporation ....................................................................................................... Andrew Sutton Independent Community Bankers of America ......................................................... Viveca Ware Independent Community Bankers of America ......................................................... Cary Whaley Ingenico ................................................................................................................... John Spence ISITC ........................................................................................................................ Steve Goswell iStream Imaging/Bank of Kenney ............................................................................ Mike McGuire J.P. Morgan Chase .................................................................................................. Robert Blair J.P. Morgan Chase .................................................................................................. Jackie Pagan MagTek, Inc. ............................................................................................................ Jeff Duncan MAXIMUS, Inc ......................................................................................................... Peter Relich NACHA The Electronic Payments Association ........................................................ Robert Unger National Security Agency ......................................................................................... Paul Timmel Navy Federal Credit Union ...................................................................................... April Haynes Navy Federal Credit Union ...................................................................................... Vicki Shapiro Navy Federal Credit Union ...................................................................................... Tynika Wilson NCR Corporation ..................................................................................................... David Norris NCR Corporation ..................................................................................................... Ron Rogers NCR Corporation ..................................................................................................... Jamie Rossignoli NCR Corporation ..................................................................................................... Steve Stevens Paychex Inc ............................................................................................................. Carl Tinch RDM Corporation ..................................................................................................... Bill Faulkner Rosetta Technologies .............................................................................................. Jose Cortedano Rosetta Technologies .............................................................................................. Jim Walling SoliSYSTEMS Corp. ................................................................................................ Roque Solis Solutran .................................................................................................................... Dan Galinson Solutran .................................................................................................................... Cindy Neiderhiser Solutran .................................................................................................................... Deb Niles Solutran .................................................................................................................... Carmen R. Nordstrand



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Solutran .................................................................................................................... Holly Umhoefer Source Technologies ................................................................................................ Wally Burlingham Source Technologies ................................................................................................ Chuck Freeman Standard Register Company .................................................................................... Melissa Kirk SWIFT/Pan Americas ............................................................................................... Jean-Marie Eloy SWIFT/Pan Americas ............................................................................................... James Wills Symcor Inc. ............................................................................................................... Hiren Joshi Symcor Inc. ............................................................................................................... Ivan Welsh TECSEC Incorporated .............................................................................................. Ed Scheidt Texas DSHS WIC EBT ............................................................................................. Duane Grabarschick Texas DSHS WIC EBT ............................................................................................. John Hannemann Texas DSHS WIC EBT ............................................................................................. Brian Whitfield The Clearing House .................................................................................................. Henry Farrar Troy Group, Inc. ........................................................................................................ Michael Riley U.S. Bank.................................................................................................................. Michelle Copher U.S. Bank.................................................................................................................. Tim Dawe U.S. Bank.................................................................................................................. Gina Hebner U.S. Bank.................................................................................................................. Scott LaPlante U.S. Bank.................................................................................................................. Maureen Latendresse U.S. Bank.................................................................................................................. Timothy Schmidt U.S. Bank.................................................................................................................. Christopher Stickney USDA Food and Nutrition Service ............................................................................ Erin McBride USDA Food and Nutrition Service ............................................................................ Kathy Ottobre Vantiv LLC ................................................................................................................ Patty Walters VeriFone, Inc. ........................................................................................................... Dave Faoro VeriFone, Inc. ........................................................................................................... Dan Kannady VeriFone, Inc. ........................................................................................................... Brad McGuinness VerifyValid................................................................................................................. Paul Doyle VerifyValid................................................................................................................. John FitzPatrick Viewpointe ................................................................................................................ Richard Luchak VISA .......................................................................................................................... John Aafedt VISA .......................................................................................................................... Brian Hamilton VISA .......................................................................................................................... Glenn Powell Wells Fargo Bank ..................................................................................................... William Davis Wells Fargo Bank ..................................................................................................... Jeff Harmon Wells Fargo Bank ..................................................................................................... Ann Kirk Wells Fargo Bank ..................................................................................................... Garrett Macey Wells Fargo Bank ..................................................................................................... Alan Nguyen Wells Fargo Bank ..................................................................................................... John Quinn Wells Fargo Bank ..................................................................................................... Mark Schaffer Wells Fargo Bank ..................................................................................................... Mark Tiggas Wincor Nixdorf Inc .................................................................................................... Scott Waldrop Wyoming Department of Health WIC Program ........................................................ Tina Fearneyhough Wyoming Department of Health WIC Program ........................................................ Melissa Sosa Wyoming Department of Health WIC Program ........................................................ David Spindler Xerox Services LLC .................................................................................................. Julie Alyea Xerox Services LLC .................................................................................................. Frank Bov Xerox Services LLC .................................................................................................. William Kelly Xerox Services LLC .................................................................................................. Chad Main Xerox Services LLC .................................................................................................. Kirk Norsworthy



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Under ASC X9, Inc. procedures, a working group may be established to address specific segments of work under the ASC X9 Committee or one of its subcommittees. A working group exists only to develop standard(s) or guideline(s) in a specific area and is then disbanded. The individual experts are listed with their affiliated organizations. However, this does not imply that the organization has approved the content of the standard or guideline.

The X9B7 MICR Specifications editorial group which that made significant contributions to the development of this standard had the following members: Daniel Welch, Co-Chairman John McCleary, Co-Chairman Organization Represented Representative

Bank of America....................................................................................................... Daniel Welch Deluxe Corporation .................................................................................................. Andy Vo ECCHO .................................................................................................................... Phyllis Meyerson Federal Reserve Bank ............................................................................................. Mark Kielman FIS ........................................................................................................................... Stephen Gibson-Saxty Harland Clarke ......................................................................................................... John McCleary J.P. Morgan Chase .................................................................................................. Jackie Pagan NCR Corporation ..................................................................................................... David Norris NCR Corporation ..................................................................................................... Jamie Rossignoli Paychex Inc ............................................................................................................. Carl Tinch Source Technologies ............................................................................................... Wally Burlingham Standard Register Company ................................................................................... Melissa Kirk Symcor Inc. .............................................................................................................. Hiren Joshi VerifyValid ................................................................................................................ John FitzPatrick Wells Fargo Bank .................................................................................................... Jeff Harmon This 2015 revision of this standard cancels and fully replaces ANSI X9.100-160–2009, as well as all previous versions of it and the former X9.13.



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ASC X9

ANSI X9.100-160-1–2015

1 Scope

Part 1 of this standard covers only design considerations that apply to placement and location of magnetic ink printing on checks, drafts, and other documents intended for automated processing among depository institutions. Although some aspects of Part 1 may still be applicable, other types of documents such as internal control forms are not covered. A complete understanding of MICR printing requires reference to other standards and technical guidelines listed in Clause 2.

2 Normative References

The following referenced documents are indispensable for the application of this document. For dated references, only the specific edition cited applies. For undated references, the most recent edition of the referenced document (including any amendments) applies.

Accuity. Skokie, IL; American Bankers Association Key to Routing Numbers

ANSI X9.100-110, Document Imaging Compatibility

ANSI X9.100-10, Paper for MICR Documents

ANSI X9.100-20, Print and Test Specifications for Magnetic Ink Printing (MICR)

ANSI X9.100-140, Image Replacement Document - IRD

ANSI X9.100-151, Check Correction Strips

ASC X9 TR 2, Understanding, Designing and Producing Checks

ASC X9 TR 100, Organization of Check-related Payments Standards

Federal Reserve Regulation CC (12 CFR 229)

3 Terms and Definitions

The defining standard is listed in parentheses after each term. The first listing is the current defining standard and the second listing, if present, is the past or future defining standard. If a definition starts with the words, “As used in this standard,…”, it indicates the definition is altered to meet the needs of this standard and differs from the definition in the referenced defining standard.

3.1 aligning edge (ANSI X9.100-160-1) The bottom edge of a document when its face is viewed.


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