Not Sufficient Funds - Not Sufficient Funds, NSF,Insufficient Funds, ISF are the same message. NSF and ISF mean that at the time the check was presented to the account holder's bank, there were not enough funds in the account to pay the check or draft.
When a check is returned for NSF or ISF, the item can be re-deposited unless the front of the item is stamped DO NOT REDEPOSIT.
Usually if an item is stamped DO NOT REDEPOSIT, the account number is also crossed out or punched out with a hole punch.
Some banks will allow up to two attempts, and may stamp the NSF check like this, indicating it is fine to make a second attempt.
What next:
If you have a check or draft returned, pay close attention to the reason code so you know if you can redeposit the item.
Protection:
Use services that will check the validity of your checks and drafts before you deposit the items. Free services to verify the routing number, are offered at https://routingtool.com and for as low as 39 cents each, you can verify and validate checks and find out if the routing number and the account number are valid by using https://bettercheck.com
Checks by phone:
Learn how to take checks by phone.
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- Reasons For Return Main Page
- Not Sufficient Funds
- Uncollected Funds Hold
- Stop Payment
- Closed Account
- Unable to Locate Account
- Frozen Account
- Refer to Maker
- Not Authorized