Unlimited conversions. Zero data entry.

Check processing

Every check.
Every field.

Process check images with MICR line extraction. Routing, account, payee, amount, memo, all captured in seconds. Batch upload and reconcile. 99.6% accuracy.

99.6% accuracyMICR OCR built inBatch processing
Zera Books
Chase
Pay
$1,247.50
091000019 1234
Wells Fargo
Pay
$1,247.50
091000019 1234
RBC
Pay
$1,247.50
091000019 1234
BMO
Pay
$1,247.50
091000019 1234
TD
Pay
$1,247.50
091000019 1234
Citi
Pay
$1,247.50
091000019 1234

The full workflow

From check image to reconciled record.

Upload any stack of check images. Zera reads MICR, captures every field, and matches to your ledger.

01

Batch upload

Drop stacks of check images or scanned sheets. Mix banks, mix formats.

02

MICR OCR

Routing number, account number, check number read instantly from the magnetic ink line.

03

Fields captured

Payee, amount in numeric and written form, date, memo, drawer, bank.

04

Reconciled

Checks match to ledger entries automatically. Outstanding and stale-dated flagged.

MICR OCR

Magnetic ink. Structured data.

The MICR line at the bottom of every check encodes routing number, account number, and check number. Zera reads MICR from scanned images, photographs, or PDFs with 99.6% accuracy. Even from phone captures.

  • Routing number (9 digits)
  • Account number (variable)
  • Check number
  • Works from scans, photos, PDFs
MICR OCR
Step 1 / 4
First National Bank0001
Date01/28/2026
Pay to
$4,750.00
Memo
091000019 1234567890 0001
Routing
091000019
Account
1234567890
Check #
0001
MICR read
99.6% confidence

Every field captured

Payee. Amount. Memo. Date.

Beyond MICR, Zera captures every written field on the check, payee name, amount in numbers and written form, date, and memo line. Amount cross verification catches OCR errors automatically.

  • Payee name (handwritten or printed)
  • Amount, numeric and written
  • Date (any format)
  • Memo line (optional)
Field capture
Step 2 / 4
First National Bank0001
Date01/28/2026
Pay toRiverside Consulting
$4,750.00
Four thousand seven hundred fifty
MemoInvoice 1047
091000019 1234567890
PayeeRiverside Consulting
Amount$4,750.00
WrittenFour thousand seven...
Date01/28/2026
MemoInvoice 1047
5 fields captured
Cross verified

Batch processing

Stacks of checks. One upload.

Drop a folder of check images or a multi page scan of check sheets. Zera processes them in parallel. Review the batch, fix exceptions, and push everything into your reconciliation workflow.

  • Process 100+ checks in parallel
  • Multi page scan splitting
  • Bulk review and approve
  • Exception flagging for unreadable checks
Batch processing
Step 3 / 4
Chase0142
Pay
$1,000+
0910
Wells Fargo0143
Pay
$1,000+
0910
RBC0144
Pay
$1,000+
0910
BMO0145
Pay
$1,000+
0910
Check
Payee
Amount
0142
Acme Supplies
$3,240.00
0143
Metro Utilities
$847.50
0144
Staples Inc
$412.80
0145
Alpha Marketing
$5,200.00
Processed
0 / 4212 / 4224 / 4236 / 4242 / 42
Batch complete, 42 checks

Auto reconciliation

Checks meet ledger. Matched.

Captured check data automatically matches to bank reconciliation entries. Cleared checks flagged, outstanding checks listed, stale dated checks surfaced for review. All in the reconciliation workspace.

  • Auto match to bank reconciliation
  • Outstanding checks listed
  • Stale dated flagged
  • Voided checks tracked separately
Auto reconciliation
January 2026
Checks
#0142
Riverside Consulting
$4,750.00
#0144
Staples Supplies
$412.80
#0145
Alpha Marketing
$5,200.00
#0143
Metro Utilities
$847.50
Ledger
01/24
Metro Utilities
$847.50
01/28
Riverside Cons.
$4,750.00
01/27
Staples Supplies
$412.80
01/25
Alpha Marketing
$5,200.00
Matched
0 of 41 of 42 of 43 of 44 of 4
Fully reconciled

In your dashboard

Every check. One workspace.

Uploaded checks live in your Zera dashboard alongside bank statements, invoices, and financial statements. Review, edit, export, or sync to QuickBooks from one unified view.

  • Unified workspace with other doc types
  • Edit captured fields inline
  • Export to Excel, CSV, QBO
  • Sync to client QuickBooks
Check processing inside the Zera Books dashboard
Ashish Josan

Ashish

Josan

Manager, CPA
Manning Elliott

My clients send me all kinds of messy PDFs from different banks. This tool handles them all and saves me probably 10 hours a week that I used to spend on manual entry.

Start processing

Stop retyping checks.

Upload any check image. Get MICR, payee, and amount in seconds.

Every check. Every field. 99.6% accuracy.

Try Zera Books free for one week. Cancel anytime during the trial.