Foreword
1 Scope, purpose, and application
   1.1 Scope
   1.2 Presentment disclaimer
   1.3 Purpose and application
2 References
3 General definitions
4 File structure
   4.1 Record types
   4.2 File structure requirements
   4.3 Examples
5 Data and field specifications
   5.1 Generic data types
   5.2 Special MICR line data types
   5.3 Fill data
   5.4 Data justification
   5.5 General field orientation
   5.6 Exception fields
   5.7 User fields
6 Table headings and title descriptions
7 File Header Record (Type 01)
8 Cash Letter Header Record (Type 10)
9 Bundle Header Record (Type 20)
10 Check Detail Record (Type 25)
11 Check Detail Addendum A Record (Type 26)
12 Check Detail Addendum B Record (Type 27)
13 Return Record (Type 31)
14 Return Addendum A Record (Type 32)
15 Return Addendum B Record (Type 33)
16 Return Addendum C Record (Type 34)
17 Bundle Control Record (Type 70)
18 Box Summary Record (Type 75)
19 Routing Number Summary Record (Type 85)
20 Cash Letter Control Record (Type 90)
21 File Control Record (Type 99)
Annexes
A Standard On Us field format
B Interim On Us field fixed format
C Interim Pay or Routing Number Check Digit Treatment
D MICR valid indicator
E Commingling of transaction types
Index