Uncollected Funds: UCF Check

Why was my check returned UCF? 
Why was the deposit returned Unavailable?
What does Unavailable Funds mean? 
What does Uncollected Funds mean?
 

Uncollected 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 on Tuesday.

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, the item is almost always eligible for at least one redeposit attempt. 

Unless stamped "do not redeposit," just deposit the item again, and the hold may have been lifted.

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