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Remote Deposit Capture Discussions Discuss the ins-&-outs of Remote Deposit Capture here. No vendor solicitations here please.
Discussion Boards > Remote Deposit Capture Discussions > Blank MICR Settings View modes: 
User avatar
kvalkuchak - 8/6/2018 10:53:50 AM
Blank MICR Settings
Do any other banks have blank MICR detection settings on their client scanners that prohibits them from depositing a check without proper MICR? We run into a lot of issues with this due to the increase in people printing valid checks without MICR ink, and so we are constantly turning this feature on and off for our customers so they can get their checks deposited. We are considering turning that feature off since we have an extensive application and annual review process for these clients, but are curious what other banks are doing.

User avatar
Tich - 9/21/2018 12:56:01 PM
RE:Blank MICR Settings
Another option would be to have your clients scan the MICR rejects with your mobile applicaiton (if available).  Mobile device apps would typlically read the MICR line with OCR and provide much improved read results.


User avatar
rickooten - 9/22/2018 10:11:06 AM
RE:Blank MICR Settings
Non MICR printed checks are a challenge as MICR ink is still required / provided on checks sourced from bank check ordering channels. As mentioned it is the home printing of checks that create non MICR checks in the clearing system. Most if not all physical check scanning devices are expecting MICR based prinitng of the MICR lines - and while one or two low signal MICR characters can be read using a dual MICR / OCR read process - the absence of MICR on a check usually indicates a potential problem and almost always requires manual keying to get into the system. Using a moble deposit platform may be an alternative. Removing the requirement for MICR ink on RDC deposited checks using a physical check scanner may be an option - but think this is not commonly done as the quality of read is lower which leads to more manual keying. Good luck!

Recent Forum Posts

RE:Remotely Created Checks and RDC

Have you communicated the requirment to add the 6 to position 44 in the MICR line to your client MSA and user docs for all RCC's that your merchants create?
Posted on 3/13/2019 12:15:41 PM

RE:Remotely Created Checks and RDC

Thank you. That's helpful.  We were hoping to be able to use the EPC field to identify; However, the RCC's we are seeing don't have any indicator in the EPC field. 
Posted on 3/11/2019 10:24:34 AM

RE:Remotely Created Checks and RDC

 We're accepting RCC's into our deposit applications.  We have reporting that is capturing the MICR line indicator in the EPC field. This information is captured downstream and is not happening in our RDC application.
Posted on 3/8/2019 2:24:15 PM

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