Funds Hold -
Uncollected Funds - Unavailable
Funds - UCF - UFH - UF, items are returned because
funds available in the account are not yet
available. This is a similar return to NSF, ISF or
Insufficient Funds, but it indicates the
accountholder had the money in their account, but it
was not available.
This can happen when a deposit into the account
holder's bank has not yet cleared. For example,
the account holder deposits a paycheck for $1,000
into his bank on Monday, and the check is set to be
clear on Wednesday, making $1,000 pending, but not
available. The account holder then writes a check
on Monday night to a merchant that deposits the item
The merchant's bank presents the check on Tuesday
and the bank returns the item, Uncollected Funds,
because the money is there on paper, but not
available. If a check has been stamped Uncollected
Funds Hold, Uncollected Funds, or a similar message,
is almost always eligible for at least
one redeposit attempt.
stamped "do not redeposit," just deposit the item
again, and the hold may have been lifted.