Treat the signature and memo lines as boundaries rather than baselines and sign above them. Your free-roaming signature may cause issues later when the rest of the code is entered, so try and keep it tame. Not all of the MICR characters have been printed at the time you fill in the check as additional characters will be printed later to encode the amount.
Terms of service for many mobile deposits via cell phone also require the MICR section to be readable. When signing or filling out the memo portion of a check, be sure to leave that space clear. In the US, the bottom 5/8" of any check is considered a virtual "Keep Clear" zone reserved for MICR characters only. Within the line are the bank routing and transit numbers and the customer account and check numbers. The line is the row of numbers and symbols imprinted along the bottom of each check. Pronounced “mick-er,” MICR is an acronym for “magnetic ink character recognition,” which refers to machine-readable text. Magnetic Ink Character Recognition, or, MICR, is a technology invented in the 1950s that has allowed financial institutions to streamline their check processing. So, what the heck are they for, anyway? Here is your quick guide to MICR and how to make sure your checks are filled out properly – whether you are using bank-issued checks, a check writing service, or printing them yourself. Those little digital numbers at the bottom of your check are more important than you realize.
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