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How does MICR work?

Updated: 11/1/2022
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14y ago

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MICR encodes two very important numbers on the bottom of a check: the American Banker's Association (ABA) routing number and an account number. The ABA routing number, sometimes called an ABA number or just a routing number, uses a combination of codes to indicate the institution where the check was issued. The code, which always totals nine digits, expresses a unique identifier composed of a four-digit Federal Reserve routing symbol, a four-digit ABA institution number and a single check digit. The second set of numbers printed on the bottom of the check represents the bank account number of the associated checking account.

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14y ago
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Q: How does MICR work?
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