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:

  1. 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.
  2. 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

ICL 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

For questions or to stay up-to-date on our products

Click for our Contact Page


amc-logosmAll My Checks™
• Extract MICR data accurately
• Format check images for exchange
• Create ICL files for exchange or RDC
• Ready to run software application

ampLIB-logosmX9 Exception Manager

• Increase transaction throughput
• Enable Check 21 processing for legacy systems
• Acheive improved float management

x9LIB-smlogoampLIB MICR OCR SDK 

• Process check images
  From Phones, Cameras, Scanners
• Extract MICR data from check images 
• Format check images for exchange
• Fast programming with single call implementation

ampLIB-logosmX9 RCC
• Build Remotely Created Checks
  - for presentment or exchange
  -on behalf of your customers 
• Produce Test ICL Files
  - to debug Check 21 Applications
  - without risking customer data

• View content of ICL files
• View check images
• Edit records and fields
• Print IRDs and CRDs

qualifier-smlogoX9 Qualifier
• Detect non-conforming TIFF tags
• Correct TIFF Tags
• Detect MICR Mis-Match
• Image IQA

x9LIB-smlogoX9LIB SDK
• Create ICL Files
• Format ICL Files
• Save as CSV Files
• Sort & Merge ICL Files

IRD-Print-smlogoIRD Print
• Conforms to latest standard
• Prints Negotiable IRDs and CRDs
• Works with many printers
• Prints one item or the entire ICL file

x9ImageClearing-smlogoX9 Image Clearing
• Check Archive
• Duplicate Detection 
• Research Check Items
• Forward & Return Clearing

x9ImageClearing-smlogoX9 Returns
• Imports ICL files into SQL database
• Supports 50+ ICL formats
• Return item research & sorting
• Browser-based user interface



July 22, 2014 - ALL MY PAPERS Software Selected by Tangerine Bank -- Cheque imaging technology provides low cost solution for Canadian Banks


April 10, 2013 - ALL MY PAPERS Signs Reseller Agreement with Orbograph


September 25, 2012 - Orbograph and All My Papers Form Alliance for Remote Deposit Capture & Mobile Marketplace Complementing technologies improve efficiency and reduce risk of fraud

August 3, 2012- Credit Union Times - Mobility Matters: Tracking the Mobile Banking Revolution in Credit Unions


September 28, 2011- All My Papers Announces a Software Application That Makes Every Scanner a Check Scanner - You can read the press release online by going HERE.

April, 2011- Check Deposit Challenges Using Scanners Without MICR Readers - Transaction News - You can read the article online by going HERE.

January 25, 2011 - All My Papers Updates MICR OCR SDK with Additional Camera Capture Features For Mobile Phones and Desktop Scanners


February 24, 2009 All My Papers Publishes Case Study of X9 IMAGE CLEARING Software Solution For the State of North Carolina Check 21 Processing.


December 2 , 2008 All My Papers Awarded Bid by State of Nouth Carolina for Check 21 Processing

October 24, 2008 All My Papers previews Beta version of X9 Viewer with support for the Universal Companion Document, UCD.

July 23, 2008 All My Papers Releases Software Reader for USPS 4-State Barcode

May 6 , 2008 All My Papers Releases Federal Reserve Bank MICR Conversion Utility for Check 21 Files


December 12, 2007 All My Papers Releases X9 TIFF QUALIFIER For Testing To the New ECCHO Check Image Exchange Rules

October 23, 2007 All My Papers Releases White Paper on Ramifications of MICR Mis-Match in Check Image Exchange

October 22, 2007 All My Papers Releases X9 TIFF QUALIFIER for Image Cash Letters

August 21, 2007 All My Papers Joins Financial Industry Organizations ECCHO and FSTC To Facilitate Check Image Exchange

May 2, 2007 - All My Papers Releases X9 VIEWER for Image Cash Letters

March 27, 2007 - All My Papers Releases White Paper on Check Image Exchange Interoperability and Data Integrity Issue Resolution

February 21 , 2007 - All My Papers and Unisys Deliver Unrivalled Check Image Data Precision for Financial Institutions


January 17 , 2006 - Sterling National Bank, Leveraging All My Papers Technology, Granted Federal Reserve Board Approval for FedReturn™ Image Cash Letter


October 4 , 2005 - All My Papers MICR OCR Technology Integrated into 1,050 7-Eleven Vcom© Kiosks Verifies Check Image Data

August 12 , 2005 - All My Papers Publishes a FREE white paper - Combining Remote Capture and IRD Printing, A Check 21 Strategy for Community and Regional Banks.

July 20, 2005 - All My Papers Business Partner, Aquracy LLC, uses IRD print technology in Remote Image Capture Solution.

July 18, 2005 - All My Papers and Intactis Software Inc. form Strategic Business Partnership.

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Last Update August 7, 2017

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