> From: John Pollard writes:
> 
> FWIW: I am fairly certain that MICR toner is not *always* necessary.
> I have read many reports of people who have created checks with MICR
> font but regular toner, and had those checks successfully cashed with
> no questions asked.  It does seem to depend on the capabilities of the
> bank which ultimately "processes" the check: if they can optically
> scan your micr line of data (and it appears that quite a few can),
> your check will be processed without a hitch.  Perhaps too
> hit-and-miss for most businesses, but possibly worth checking (pardon
> the pun) out for personal use; if it's not going to work, you will
> know soon enough.
> 
> --
> John Pollard

The bank usually won't dishonor the non-MICR checks to the customer.  
They'll go back to the source who created the checks and complain 
bitterly, "What the H*** are you doing!?  Do you have a new AP 
Clerk?  We'll let this slip by once but don't do it again."  
Approach, especially if you've been consistently good at using 
MICR previously.

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