Create Canadian Cheque ICL Files for RDC

Now Indirect Clearing Banks can use the All My Checks, a ready-to-run application, to minimize operational costs and increase accuracy.


All My Checks Benefits

  • Rapid implementation of the Canadian cheque image clearing process with full electronic implementation
  • Reduce data entry labor costs
  • Reliable and redundant architecture

All My Checks will work as a ready-to-run Windows application or can be totally automated and run “lights-out” with command lines.

All My Checks supports the Royal Bank of Canada cash letter file format and provides for electronic deposit from both Canadian indirect clearers and US banks

  • Supports deposit of Canadian and US Dollar items
  • Differentiates between Canadian and US bank routing numbers


All My Checks supports the Canadian CPA 015 standard which is based on the US X9.100-187 standard and the Royal Bank of Canada proprietary version of 015 used for deposit of Canadian and US Dollar Check items into a RBC account.

Many organizations would like a software tool that helps them build a solution to capture checks from any type of scanner and then turn the check images into an image cash letter (ICL) file to send to a financial institution (FI). All My Checks (AMC) will create an ICL file and format it for the destination per the receiving FI’s companion document requirements.

Learn more information about All My Checks

Check Image Cash Letter File


A check image cash letter file goes by many different names:

  • CPA 015 file
  • ICL file
  • X9.37 File
  • Universal Companion Document (UCD) File
  • X9.100-187 or 180 File
  • Remote Deposit Capture File

It is the electronic equivalent of paper checks bundled together in a container that totals the number of check items and their dollar amounts. The ICL file has two major types of data components check images and text data:

Check Images – Front and back images of the check. The check images must conform to the standards for exchange. All My Checks software ensures the check images meet these exchange requirements.

Textual data  - describing the check items in the ICL file. The text is in a hierarchical structure. As shown in the diagram above, an ICL file may contain one or more image cash letters. This text data must conform to the receiving institutions format.

Image Cash Letter Requirements

  • To create a check image cash letter (ICL):
  • Exchange Ready front of check image (supplied by AMC)
  • Exchange Ready back of check image (supplied by AMC)
  • MICR Data (supplied by AMC)
  • Bank Routing Number
  • Bank OnUs data (account number and check serial number)
  • Dollar Amount (For information about adding dollar amounts contact
  • Destination Companion document information for formatting ICL file
  • Bundle size
  • Optional payee endorsement information

Companion Documents and ICL Formats

Each destination financial institution (recipient of the ICL file) requires that the file be formatted to their unique requirements. These requirements are detailed in a companion document.

All My Papers supports these formats for electronic exchange in Canada

  • Canadian Payments Association CPA 015
  • Royal Bank of Canada
  • Format ICL Files for Remote Deposit Capture (RDC)

AMC also has the capability of electronically endorsing the rear check image with the Payees account information.

Viewing, analyzing for conformance and editing Canadian CPA 015 files

All My Papers has added a new capability to it's X9 VIEWER™product. Canadian Banks can now open, view, analyze for conformance and edit cash letter files based on CPA 015 with AMP's X9 VIEWER. This is a Windows software application that displays both the cheque images and the details of the Records and Fields.

All My Papers (AMP) has long worked with the ANSI X9.100-187-2008 "Specifications for Electronic Exchange of Check and Image Data – Domestic" and has added new capabilities to its full suite of software products in order to work with Canadian cheque image files and the new Canadian Payments Association (CPA) Standard 015. CPA 015 which is a companion document to the ANSI 100-187-2008 standard.

Canadian Banks can now open, view, and analyze for conformance cash letter files based on CPA 015 with AMP's X9 VIEWER.


With the optional printing license, the AMP X9 VIEWER software can also print Canadian Replacement Documents (CRDs) that conform to the CPA 014 Standard. This software is available for purchase by Canadian banks today.


An Image cash letter containing Canadian cheque images can be sent by Canadian based financial intuitions within Canada electronically for CRD printing. No longer are courier services required for the transport of paper cheques.

Canada is adopting rules and policies for clearing cheque images. One of the new rules, recently adopted, allows for the conversion of an image of a Canadian cheque to a Canadian Clearing Replacement Document (CRD). This new paper document can then be processed as if it were the original cheque. A CRD is similar to the American IRD or substitute cheque.

AMP has tools to create the cheque Image Capture Payment (ICP) file for Canadian cheque images and for printing CRDs

This means you can now image a Canadian cheque, send the cheque image electronically and then print that cheque image file as a CRD for paper processing locally.

To create the ICP file you will need the AMP software tools. With the cheque images, MICR data, and dollar amounts, AMP software creates the ICP file.

Once the ICP file has been sent electronically, AMP has solutions for converting this data to a printed CRD.

Interactively, X9 Viewer with printing license will open up the ICP and allow you to print all or some of the items on PCL5e compatible, duplex printer with MICR toner.

All My Papers Software Benefits

  • Reduce time/costs of cheque deposit processing for Canadian cheques
  • No need to courier paper Canadian cheques, now send them electronically
  • Ready-to-run application, no programming required
  • Can be called via command line for integration with existing workflows

For pricing and evaluation licenses contact

Contact All My Papers
Contact All My Papers to automate check Image Cash Letter (ICL) file processing.