Xerox 6180N Generic MICR Fundamentals Guide - Page 48
how a check design conforms to the new specifications.
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Document design Background printing While MICR documents may be printed on white or pastel colored paper, negotiable documents nearly always have some sort of background-a scenic image, a logo, or a pattern. Fixed form and variable information should print darker than this background. The background printing must not interfere with extraction of the information that is required to process the completed check. Industry standards have defined requirements for the following areas that contain the necessary variable information: • MICR line • Convenience amount • Amount in words • Date • Payee • Signatures In these areas, additional background printing limitations and measurements apply. Tighter limits are placed on reflectance, and contrast is defined in a localized manner that is more in keeping with the way automated equipment detects check data. New scanner-based test equipment is now required to evaluate how a check design conforms to the new specifications. Check issuers who do not print their own forms must require their forms suppliers and application developers to adhere to check background specifications. Fixed information The fixed data that appears on the face of either a personal or business check is necessary for the proper processing of the check. Date line The date is a required element on a check. It is written by the issuer and represents the day on or after which the amount of the check may be transferred. The date line should be in the upper right corner of the check. If the application produces a completed check, the date should still be located in this area, but the actual line may be omitted. 4-2 Generic MICR Fundamentals Guide