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This practical guide shows you how to read the MICR line on any Canadian cheque — where the cheque number, transit, institution and account numbers are located — and what to check to avoid processing issues or fraud. We also explain how to order cheques that meet Payments Canada Standard 006 and are accepted at banks across Canada.
- Read the MICR line left-to-right: cheque number, transit (5 digits), institution (3 digits), then account number.
- Cheques that meet Payments Canada Standard 006 are accepted across Canadian banks.
- If in doubt, upload a void cheque — we verify your MICR in our proof process before printing.
- Order laser, manual or personal cheques depending on how you pay.
Our proof-first process reduces errors and ensures cheques are printed to banking specifications. If you need help reading your MICR line, call 1-866-760-2661.
How to read the MICR line on a Canadian cheque (step-by-step)
The MICR line along the bottom of a cheque contains the number groups banks use to clear the item: cheque number, transit, institution and account. Below we decode each element and what to check before ordering or issuing a cheque.
The chequing number is often printed at the top-right and appears on the MICR line in some layouts. It helps track and reconcile individual cheques.
The five-digit transit number identifies the branch where the account is held. It appears before the institution number on the MICR line.
A three-digit institution number identifies the bank. Together with transit and account numbers, it forms the routing information for clearing.
This is the customer's account number. Confirm the order uses the exact account format shown on a void cheque or direct deposit form.
Annotated MICR example
[Cheque number] [Transit] [Institution] [Account number]
If unsure, upload a void cheque or clear photo when you place your order — we will verify the MICR in our proof before printing.
Fraud prevention and cheque security
- Store cheques securely and limit physical access to signed cheques.
- Monitor bank statements regularly for unexpected activity.
- For high-value cheques, consider security features such as watermarks, microprinting, or holograms.
How to order bank-ready cheques
- Pick a format: laser (software), manual (handwritten), or personal (individual accounts).
- Provide your banking details: upload a void cheque or enter transit, institution and account numbers exactly.
- Approve the proof: we send a proof to confirm your MICR and layout before anything is printed.
- Receive cheques: bank-ready cheques that meet Payments Canada Standard 006, suitable for clearing at Canadian banks.
If you are replacing bank-ordered cheques, upload a sample and we will match the layout. Need help reading your MICR? Call 1-866-760-2661.
Frequently asked questions — Reading cheques & compatibility
Will my cheques be accepted by Canadian banks if I don't order from the bank?
Yes. Canadian banks accept cheques from independent suppliers provided they meet Payments Canada Standard 006 for MICR-encoded payment items and are printed accurately.
What information do I need to enter to order cheques?
Use a void cheque or direct deposit form to enter the account holder name, address, transit number (5 digits), institution number (3 digits) and account number.
Which cheque type should I order?
Laser cheques are for printing from software; manual cheques are for handwritten payments; personal cheques are for individual accounts.
How fast can I get cheques delivered?
Most orders print same day or next business day. Delivery depends on shipping option; rush services are available.
What if something is printed wrong?
If an error is on our side, we reprint at no cost. For customer-provided errors, we will reprint after confirming corrections.
Ready to order bank-ready cheques?
Choose your format and we will confirm details and proof before printing to ensure bank acceptance.
Trademark notice: Bank names and logos are the property of their respective owners. Print & Cheques Now Inc. is an independent supplier and is not affiliated with any bank.