Bank Check OCR API

Transform check processing with Veryfi's white-label API that captures and extracts data from both sides of any check. Get structured MICR codes, signatures, endorsements, and bank routing information in seconds—enabling fully automated check deposits that eliminates manual processing and delights your customers.

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Bank Checks OCR API for Data Extraction

Why Veryfi

The Gold Standard in Reading Bank Checks

Empower Your Business, Delight Your Customers: In today’s fast-paced market, cutting-edge technology isn’t a luxury—it’s survival. Smart businesses processing checks harness machine vision, AI, and data to outpace competitors, delight customers, and redefine industries. If your mobile app struggles to capture check images in various conditions, it’s time to upgrade to a platinum solution like Veryfi. Our technology excels at snapping checks in any situation, without the visual constraints that other apps impose on their users. Embrace innovation or risk obsolescence. The future is now—are you leading or following?
What is Check Deposit OCR?: Check deposit OCR (Optical Character Recognition) is AI-powered technology that automatically reads and extracts data from bank checks — including MICR codes, amounts, payee names, and routing numbers — enabling digital check processing without manual data entry.

Instant Bank Check Data Extraction with Veryfi Instant Bank Check Data Extraction with Veryfi
Bank Checks: Mobile Capture & Extraction API Bank Checks: Mobile Capture & Extraction API
Bank Check OCR API using Veryfi Lens [developer demo] Bank Check OCR API using Veryfi Lens [developer demo]
Document Capture using Vision AI: Veryfi Lens for Mobile iOS & Android Document Capture using Vision AI: Veryfi Lens for Mobile iOS & Android
Document Capture: Lens integration in Swift (iOS) Document Capture: Lens integration in Swift (iOS)
Request: Bank Check Data Extraction
import requests
url = "https://api.veryfi.com/api/v8/partner/checks"
headers = {
'CLIENT-ID': '<API_KEY_VALUE>',
'AUTHORIZATION': 'apikey <USERNAME_VALUE>:<API_KEY_VALUE>'
}
payload = {'file_url': 'https://cdn…'}
response = requests.post(url, headers=headers, data=payload)
print(response.json())
Response: Structured JSON
{
“bank_name”: “Nationwide”,
“bank_address”: “PO Box 2344\nBrea, CA 92822-2344”,
“check_number”: “118408359”,
“date”: “2021-10-04”,
“amount”: 1308.45,
“amount_text”: “One Thousand Three Hundred Eight And 45/100 Dollars”,
“receiver_name”: “Dmitry Birulia”,
“receiver_address”: “733 Long Bridge\nSan Francisco CA 94158”,
“memo”: “F-602441-2021092406733”,
“category”: “Restaurants / Dining / Meals”,
“vendor”: “DoorDash”,
“micr”: {
“routing_number”: “0118408359”,
“account_number”: “031923284”,
“serial_number”: “8765129397”
},
“fractional_routing_number”: “70-2328/719 IL”
}

Developer Friendly API

The only API you will ever need to accurately extract key/value data in a standardized format you can trust across any geography, language, or format — enabling seamless international business expansion without lifting a finger.

Day-1 Ready Pre-Trained Bank Checks AI Model
SDKs & code samples in Python, Node.js, PHP, C#, Java, Go and more
Detailed API Docs + FAQs that make sense
Human support from experts at HQ in Silicon Valley

No bullshit. No months of training. No “contact sales” gatekeeping. Start impressing your customers today.

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Read API Docs

Supported Fields

  • MICR
    • Routing Number
      Routing Number: A nine-digit code (part of MICR) identifying the financial institution on the check.
    • Account Number
      Account Number: Unique identifier (part of MICR) for the account holder on the check.
    • Serial Number
      Serial Number: Unique identifier (part of MICR) for each check.
    • Raw Text
      Raw Text: Unprocessed MICR line data visible on the bank check.
    • Learn more …
  • Numbers
    • Amount
    • Amount Text
    • Fractional Routing Number
    • Routing From Fractional
    • Check Number
    • Learn more …
  • Bank Info
    • Bank Name
      Bank Name: The name printed on a check of the issuing bank.
    • Bank Address
      Bank Address: Physical location printed on a check of the issuing bank branch.
    • Learn more …
  • Signatures & Endorsement
    • Is Signed (Front of Check)
      Is Signed (Front): Whether the front of Check is signed.
    • Endorsement Is Signed (Back of Check)
      Endorsement Is Signed (Back): Whether the back of Check is signed
    • Is Mobile / Remote Deposit Only
      Is Mobile / Remote Deposit Only: Check box at the back of the Check
  • Meta
    • OCR Text
    • Date
    • Payer Name
    • Payer Address
    • Receiver Name
    • Receiver Address
    • Learn more …

Try It

Use Cases

Remote Deposit Capture

Remote Deposit Capture

Manual check processing costs banks $2.4B annually in operational expenses and delays customer deposits by 2-3 business days. Traditional RDC systems struggle with handwritten amounts and damaged checks, requiring manual review for 35% of deposits. Veryfi’s Check OCR API instantly extracts MICR codes, amounts, payee details, and memo fields with 99.7% accuracy regardless of check condition or handwriting quality. Reduce processing time by 85%, eliminate manual interventions, accelerate fund availability.
Accounts Payable Automation

Accounts Payable Automation

Manual check processing in AP departments creates 45% payment delays, costing businesses $3.8M annually in late fees and vendor relationship strain. Check data entry takes 8-12 minutes per document with 15% error rates. Veryfi’s API automatically extracts payee names, amounts, check numbers, and bank routing information, enabling seamless integration with ERP systems and automated vendor payment matching. Reduce processing time by 90%, eliminate data entry errors, improve vendor satisfaction scores.
Fraud Detection & Risk Management

Fraud Detection & Risk Management

Check fraud costs financial institutions $24.2B annually with traditional detection systems missing 28% of fraudulent checks. Manual verification of check authenticity takes investigators 45-60 minutes per suspicious item. Veryfi’s API instantly extracts and validates MICR encoding, signature patterns, and check design elements, enabling real-time fraud scoring and automated risk assessment. Reduce fraud losses by 75%, accelerate investigation time, improve customer protection while minimizing false positives.
Legal & Compliance Documentation

Legal & Compliance Documentation

Legal discovery processes for financial litigation cost law firms $15,000 per case in document review expenses. Manual check image analysis for evidence gathering takes paralegals 4-6 hours per document set. Veryfi’s API automatically extracts check details, endorsements, and transaction chains, enabling rapid evidence compilation and forensic accounting. Reduce discovery time by 80%, improve case preparation accuracy, accelerate legal proceedings while ensuring admissible digital evidence standards.
Property Management & Rent Collection

Property Management & Rent Collection

Manual rent check processing creates 3-day payment posting delays, affecting 40% of property management cash flow. Check data entry errors cause 25% of tenant account discrepancies, requiring 2-4 hours per dispute resolution. Veryfi’s API instantly extracts tenant names, payment amounts, property addresses, and check numbers, enabling automated rent posting and tenant account reconciliation. Reduce posting time by 95%, eliminate payment errors, improve tenant satisfaction while accelerating cash flow.
Healthcare Payment Processing

Healthcare Payment Processing

Healthcare providers lose $4.7M annually due to delayed insurance and patient payment processing. Manual check entry for copays and deductibles takes staff 10-15 minutes per payment, creating appointment scheduling bottlenecks. Veryfi’s API automatically extracts patient names, amounts, insurance information, and account numbers from checks, enabling instant payment posting and automated patient account updates. Reduce payment processing time by 88%, improve patient experience, accelerate revenue cycle management.
Government & Municipal Services

Government & Municipal Services

Government agencies process 180M+ checks annually with manual entry creating 5-7 day processing delays and costing taxpayers $2.1B in operational inefficiencies. Check processing for taxes, licenses, and fees requires 12-18 staff hours per batch. Veryfi’s API instantly extracts citizen information, payment amounts, and service codes from checks, enabling automated revenue posting and citizen account management. Reduce processing time by 82%, improve citizen services, ensure accurate tax and fee collection.
Non-Profit & Donation Management

Non-Profit & Donation Management

Non-profit organizations lose 25% donor engagement due to slow donation processing and delayed tax receipt generation. Manual check processing for donations takes staff 8-12 minutes per check, delaying donor acknowledgment by 5-7 days. Veryfi’s API automatically extracts donor names, amounts, addresses, and memo designations from donation checks, enabling instant donor database updates and automated tax receipt generation. Reduce processing time by 90%, improve donor relations, accelerate fundraising campaign analysis.

Additional Superpowers

  • MICR Recognition

    Our Bank Checks OCR API expertly extracts MICR (Magnetic Ink Character Recognition) data from bank checks. This critical information, printed in a specialized font, includes the routing number, account number, and check number. The Bank Checks OCR API accurately reads and parses this data, separating it into individual fields for easy processing. By providing both the raw MICR code and its component parts, our API streamlines check processing workflows, enhancing efficiency in banking operations. This powerful MICR extraction capability makes our Bank Checks OCR API an invaluable tool for automating and optimizing check data capture in the financial sector.

  • Built-In Fraud & Risk Mitigation


    Every check that hits your system is a potential risk. Veryfi’s Check OCR API doesn’t just read checks — it protects you.


    • CAR/LAR Validation — Automatically cross-references the written amount (LAR) against the numerical amount (CAR). Mismatches get flagged before they cost you money.

    • MICR Line Verification — Validates routing numbers, account numbers, and check serial numbers against known formats in real-time.

    • Duplicate Detection — Flag checks that have already been deposited. Same check number, same account, same amount? Caught.

    • Endorsement Detection — Verify endorsement presence on the back of the check before processing.

    • Image Quality Scoring — Reject blurry, cropped, or manipulated images at capture with Veryfi Lens, before they ever reach your processing pipeline.

    • Tamper Indicators — AI-powered analysis flags signs of check alteration or wash fraud.

    Your compliance team will sleep better. Your fraud team will buy you lunch.

  • Mobile Check Capture


    Veryfi Lens is a powerful mobile framework add-on to the Bank Checks OCR API with SDKs for iOS and Android, designed for seamless integration into your existing app. It empowers your application with advanced check capture capabilities, enabling flawless image acquisition in any environment, regardless of lighting conditions. Leveraging machine learning, Veryfi Lens accurately identifies check fronts and backs, capturing them for processing even when offline. This robust solution transforms your app into a high-performance check processing tool, enhancing user experience and operational efficiency. Learn more



    AI Detects & Crops Checks on any background even white on white BUT will not detect non-check objects

Global Bank-Grade Security & Compliance


Security & Compliance 		• Veryfi is SOC2 Type2 Certified and Compliant with GDPR, HIPAA, CCPA and ITAR standards.
• Check 21 & X9.37 Compliant — Meets federal Check Clearing for the 21st Century Act standards. Generate X9.37 files ready for clearinghouse submission.
• 99.995% Uptime SLA — Built on dedicated NVIDIA DGX infrastructure — not shared cloud GPUs with noisy neighbors.
• Deployment Flexibility — Cloud API, hybrid, or talk to us about on-premise options for institutions that require it.
• Multi-Region Processing — Support for international check formats across 38 languages and 91+ currencies.
• Audit Trail — Every API call logged. Every extraction timestamped. Full traceability for regulatory compliance.
Built for the banks that can’t afford “good enough.”

FAQ

  • How do I test this?

    Click the “GET STARTED FOR FREE” in the header and then signup for a free 14 day trial. It’s that easy. No credit card required to trial the software for 14 days.

  • Where are the API docs?

    Go here https://docs.veryfi.com/api/checks/process-a-check/

  • Is there Fraud Detection?

    Yes. We have built a special AI-powered model which scrutinizes each check submission using various signals and triggers to flag potential fraud.

  • I want to talk to a person

    No worries. You can email our support on [email protected] or contact our industry experts on [email protected] and they can guide you through all the available features.

  • Does it read handwritten text?

    Yes.

  • Do you have mobile check capture?

    Yes. You can try the mobile version from iOS App Store or Android Play Store

  • Support for X9 file format?

    Yes, modern solutions like Veryfi’s bank check deposit platform leverage this X9.37 standard to provide seamless electronic check processing capabilities. By supporting the X9 format, Veryfi enables financial institutions and businesses to efficiently digitize and process check deposits while maintaining compliance with industry standards for electronic check exchange.

    The X9 format, specifically X9.37, is a standardized file format used in the banking industry for the electronic exchange of check and image data. It essentially acts as a digital container for check images and related information, enabling financial institutions to process check transactions electronically. This format allows for the exchange of both front and back images of checks, along with textual data describing the check items, facilitating the processing of both forward and return items.

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