E-13B has a 14 character set, comprising the 10 decimal digits, and the following symbols
|Product Type||MICR Format||MICR Swiped or HandKey|
|CashLine E-Check||TOAD||Swiped Only|
|Check Cashing and Deposit||TOAD||Swiped Only|
|Retail Sales ECC||TOAD||Swiped Only|
T = Transit symbols are used to delimit the Bank Number or Bank Routing Number
O = OnUs symbols are used to delimit the Account Number, the check number or both
A = Amount symbols are found after the check has been already cashed and processed by the Federal Reserve Bank or other institutions that process checks
D = Dash symbols are sometimes found in the middle of the Bank Number or Account Numbers Account Number
T Would be replaced with T or t
This symbol is used to indicate the beginning and ending of the bank’s 9-digit routing transit number.
O Would be replaced with O or o
This symbol is used to indicate the On-Us field usually grouped around the account number or check serial number.
A Would indicate the check has already been cashed A or a
D Would be replaced with D or d
This symbol is a dash usually appearing in the account number field in the MICR line.
Raw TOAD format
MICR readers provide the flexibility to format the MICR fields and build a specific output string that will be transmitted to the host for authorization.
For Electronic Check authorization/conversion the required parsing format is referred to as RAW TOAD. TOAD is a symbol substitution of the MICR characters appearing on the check.
T123456780T 1234d6678o 0691
MICR reader output: T123466780T 1234D6678O 0691
T123456780T 0691o 123d6678o
MICR reader output: T123466780T 0691O 1234D6678O
t1234566780t o1234d6678o 0691
MICR reader output: T123466780T O1234D6678O 0691
o1214798o t123466780t 123445678o 12
MICR reader output: O1214798O T123466780T 123445678O 12
o1214798o t123466780t o123445678o
MICR reader output: O1214798O T123466780T O 123445678O