What Does the MP Notation Mean on a Check?
Unravel the meaning behind specific bank notations on checks, clarifying their purpose in payment processing and your financial understanding.
Checks often contain various codes or notations to track their origin or processing. One such notation that sometimes appears on checks is “MP.” Understanding what this abbreviation signifies can provide clarity about the check’s characteristics and processing.
The Meaning of “MP”
The notation “MP” on a check stands for “Microprinting.” This security feature is integrated into the design of many checks to deter counterfeiting. Microprinting involves printing extremely small text in areas that appear as solid lines or patterns to the naked eye. These tiny words are usually illegible without magnification.
How “MP” Appears on Checks
Microprinting is commonly found in specific areas of a check, such as the signature line or along the borders. For instance, what appears to be a solid line for a signature might actually be a repeating sequence of tiny words. The presence of “MP” on a check, often near the signature line, indicates that this security measure has been incorporated. This feature makes it difficult for counterfeiters to reproduce checks using standard photocopiers or scanners, as the microprinted text would likely appear as a blurry or solid line.
Impact of “MP” on Check Recipients
The “MP” notation does not affect the validity or negotiability of a check for the recipient. It is an internal security feature primarily intended for banks and financial institutions to verify the document’s authenticity. A check containing microprinting is a standard, valid instrument, provided it meets all other requirements, such as a proper signature, accurate date, and sufficient funds. This security measure helps confirm that the check is an original document, offering an additional layer of protection against fraud.
Other Common Check Notations
Beyond “MP,” checks feature various other notations and elements. The memo line, located in the bottom left corner, is an optional space where the check writer can add a brief note about the payment’s purpose, such as an account number or invoice reference. On the back of a check, recipients often need to endorse it with their signature for deposit or cashing. For mobile deposits, many banks require the specific endorsement “For Mobile Deposit Only” written below the signature. The Magnetic Ink Character Recognition (MICR) line at the bottom of the check contains critical information like the routing number, account number, and check number, which are essential for electronic processing.