Unable to Locate - UTL - or - Cannot Locate Account Why was my check returned UTL?  Why was a deposit returned Unable to Locate? What does Unable to Locate mean on a check?  What does UTL Stand For? Unable to Locate Account - UTL - Unable to Locate - When a check or draft is returned with the Unable to Locate or UTLstamp, this means the bank cannot find any account with that account number in its records. This is most likely a check by phone or check draft where the wrong information was entered or provided.  Unable to locate checks or drafts may have details as to what exactly was wrong, such as a circled account number, or invalid routing number message.   Some UTL or unable to locate account checks have handwritten notes on the stamp to help the merchant locate the proper details. Other reasons could be the addition or absence of leading zeros in an account number, such as a customer with the account number 123456, but on the check the account number shows 000123456.  Unable to locate checks cannot be re-deposited. A new item must be created or a new check would be required from the account holder.

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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           Learn how to accept checks by phone.

                

       

               - 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