此规范描述了检查读取器和扫描仪的XFS服务类。支票图像扫描仪被视为支票阅读器的特例，即后者的启用图像的实例。这一类包括具有一系列功能的设备，从一次手动刷一张支票的小型手持式只读设备，到一次自动馈送一张支票的桌面设备；记录MICR数据和支票图像，以及背书或编码支票。此服务类的规范包括可以使用WFSAsyncExecute、WFSExecute、WFSGetInfo和WFSAsyncGetInfo函数发出的特定于服务的命令的定义。在美国，支票总是用磁性墨水编码，以便通过磁性墨水字符识别（MICR）进行读取，并且总是使用单一字体。在欧洲，有些国家使用MICR，有些国家使用不同字体的光学字符识别（OCR）字符集进行检查。在所有国家，支票编码的典型字段包括银行ID号和帐号。银行处理的一部分是对支票上的金额进行编码，通常是让操作员在数字键盘上输入手写或打字的票面金额。此服务类当前仅为有人参与的分支服务定义。

This specification describes the XFS service class of check readers and scanners. Check image scanners are treated as a special case of check readers, i.e. image-enabled instances of the latter. This class includes devices with a range of features, from small hand-held read-only devices through which checks are manually swiped one at a time, to desktop units which automatically feed the check one at a time; recording the MICR data and check image, and endorse or encode the check. The specification of this service class includes definitions of the service-specific commands that can be issued, using the WFSAsyncExecute, WFSExecute, WFSGetInfo and WFSAsyncGetInfo functions. In the U.S., checks are always encoded in magnetic ink for reading by Magnetic Ink Character Recognition (MICR), and a single font is always used. In Europe some countries use MICR and some use Optical Character Recognition (OCR) character sets, with different fonts, for their checks. In all countries, typical fields found encoded on a check include the bank ID number and the account number. Part of the processing done by the bank is to also encode the amount on the check, usually done by having an operator enter the handwritten or typewritten face amount on a numeric keypad. This service class is currently defined only for attended branch service.