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Emmaus, PA
Reynolds Business Systems
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Direct Answer

What are check scanners and how accurate are they?

Check scanners are compact devices that digitize paper checks at the teller line or in the back office. They read the MICR line — the magnetic-ink account and routing numbers printed along the bottom of every check — and capture a front-and-back image for remote deposit capture (RDC) or the bank's core system. According to Digital Check and Panini device specifications, modern models read MICR at roughly 99.9% accuracy, keeping rejected and misread items low enough for high-volume deposit work. That accuracy bar matters because Federal Reserve Regulation CC (12 CFR 229.2(aaa)) requires any substitute check to carry a MICR line reproducing all data from the original, formatted to the ANS X9.100-140 standard, plus front-and-back images — exactly what these scanners capture at the point of deposit. Items that fail image-quality analysis or MICR read are flagged for manual key entry rather than posted automatically. Reynolds Business Systems helps banks and credit unions match the right scanner to their daily check volume and core banking platform, then installs the unit and configures its MICR and OCR settings on-site. Because the same devices also capture a clean document image, many institutions feed those images straight into records and audit systems, not just deposit workflows. Reviewed by Reynolds Business Systems' document-solutions specialists, serving Pennsylvania's Lehigh Valley since 1970; last updated July 2026.