Check Cannot Be Deposited and Returned Can Be Deposited Again?
Complete List of Returned Cheque Reason Codes:
Overview:
The U.S. Department of the Treasury publishes Check 21 Render Codes. Find out the reason codes, reasons for render, and reasons for rejection, and what the stamps and codes really hateful.
Not Sufficient Funds - Not Sufficient Funds,NSF, Bereft 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 plenty funds in the business relationship to pay the check or typhoon.
When a bank check is returned for NSF or ISF, the item tin 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 business relationship number is also crossed out or punched out with a hole punch.
Uncollected Funds Hold - Uncollected Funds - UCF - UFH - UF, items are returned because funds available in the account are not however available. This can happen when a deposit into the business relationship holder'due south 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 Wed, making $ane,000 pending, only not available. The business relationship holder then writes a bank check on Monday nighttime to a merchant that deposits the item on Tuesday. The merchant's bank presents the check on Tuesday and the bank returns the particular, Uncollected Funds, because the money is there on newspaper, but non bachelor.
If a bank check has been stamped Uncollected Funds Agree, Uncollected Funds, or a like message, the item is eligible for redeposit. Just deposit the item again, and the hold may have been lifted.
Stop Payment- Terminate Pay - Check Stop - End Payment Check - Finish Payment Item -
If your check or draft is returned with a Stop Payment this means the account holder, the person who originally wrote the check or authorized the typhoon has revoked their authorisation. You cannot redeposit an item marked with a Stop Payment.
Stop Payment is a feature available to whatsoever business relationship holder who contacts their bank BEFORE the check or typhoon they authorized is presented for payment. The account holder tells the bank the check number, the amount of the check and payee and the depository financial institution in turn looks for this check, or range of checks and returns the item(s) unpaid marked Terminate Payment.
Airtight Business relationship - Account Airtight -
When the banks stamps Account Closed or puts the Closed Business relationship stamp on a check or typhoon that was deposited, this means the account holder's bank account that was associated with that check is closed. No closed account or account closed items tin be re-deposited.
Y'all must go a new check from the business relationship holder when the item was returned Account Closed.
Unable to Locate Account - UTL - Unable to Locate - When a bank check or draft is returned with the Unable to Locate or UTL stamp, this means the banking concern cannot discover whatsoever account with that account number in its records. This is most likely a check by telephone or check draft where the incorrect information was entered or provided.
Unable to locate checks, drafts or RCC items, 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 postage stamp to assistance the merchant locate the proper details.
Users of CheckWriter software tin can use RoutingTool to look up bank routing numbers and bank phone numbers. Other reasons could be the addition or absence of leading zeros in an account number, such as a customer with the account number 123456, simply on the check the account number shows 000123456. Unable to locate checks cannot be re-deposited. A new particular must exist created or a new check would be required from the account holder.
Frozen Account - Blocked Account- Checks and drafts are returned with Frozen Account or Blocked Account letters when the depository financial institution is required to lock or Freeze an account.
This can be due to a divorce judgment, IRS tax lien, wage garnishment, court guild or other legal reason that the banking concern tin can be required to freeze an account.
Checks stamped Frozen Business relationship cannot exist re-deposited - a new item is required from the business relationship holder.
Refer to Maker - RTM - Checks returned with the RTM stamp require the depositor to contact the maker of the check. Refer to maker means, you should contact the person that wrote the check to find out why the item was returned.
If the maker does not know why the item was returned, the maker should contact their ain bank for the reason. The merchant cannot obtain the reason for return from the maker's depository financial institution, only the maker can get this information. Items stamped RTM or stamped Refer to Maker cannot be re-deposited. A new particular is required.
Not Authorized- Payment Unauthorized, Not Authorized, and UA and "Counterfeit" stamps are typically a issue of the account holder disputing the item during the paymentpresentment procedure, or if a item block is noted on theaccount such equally "nodrafts" or "no debits" and such an particular is presented.
Items marked Not Authorized or Unauthorized cannot be re-deposited.
Stale Dated -Expired Cheque - Dried Check - Checks returned with a Stale Dated postage stamp are past the expiration engagement as set up by the cheque issuer. Some checks are valid just if cashed or deposited within 7 days, 30 days, 90 days or 180 days. Checks with this fourth dimension 
limit will be returned for Stale Dated or Expired Check and cannot be re-deposited.
Post Dated -Postal service Dated Cheque- If a check is returned for Mail Dated this means the date on the cheque was for a futurity date. Futurity dated checks can exist returned for Postal service Dated or Mail service Dated Check. Checks that are returned and stamped Mail service Dated tin exist redeposited on or subsequently, merely not before the date in the date blank at the top right of the check. Besides bank check by the endorsement for wording such as "check not valid until."
Endorsement Missing - Endorsement - If a check or check draft is returned due to endorsement missing, this is because the depositor, not the business relationship holder that issued the check, did non endorse the item. An endorsement is a signature or stamp that goes on the back of the check. At minimum, banks require a unmarried signature in the endorsement blank on the reverse of the check. Other endorsements include, "For Eolith Merely", and "Without Recourse", and "Pay to the club of" if making a third part endorsement. Yous can redeposit a bank check with Endorsement Missing stamped on it by adding an endorsement and re-depositing the item.
Endorsement Irregular- Irregular Endorsement - Checks can exist returned for irregular endorsement when in that location is a trouble with the endorsement such as a signature mis-lucifer, account number problem or if the endorsement cannot be read. Checks tin also be returned for irregular endorsement if the endorsement goes below the similar that says,
"Do not endorse or write below this line."
Signature (southward)Missing - Missing signature or signature missing returns are common where the signature on a cheque is non present. Some checks can be returned for signature missing when two signatures are required to write a check on a particular account and but one signature appears on the cheque. A bank check with signature missing cannot be re-deposited until the signature is gathered.
Signature (southward)Irregular - Irregular signature or signature irregular returns are caused by asignature that does not match the business relationship holder, or if the signature appears damaged,altered or otherwise obscured. Signature Irregular checks cannot 
be re-deposited. A new item must be obtained from the maker of the check.
Non Greenbacks Item - NCI - A check returned stamped Non Cash Item, Not Greenbacks Particular, NCI or Not for Cash is ordinarily an invalid check, like a rebate coupon, promotional check, or gift certificate that is deposited in fault as a real check. Items stamped NCI, Not Cash Item or Non Cash Item cannot be re-deposited.
Altered Item / Fictitious Detail-
A check returned stamped Altered, or stamped Fictitious particular does non lucifer the account holder's records or the bank's records every bit far as the amount, date or terms of the check and is being returned in dispute of its validity.
This can be something as simple every bit someone writing a bank check for $125.99 and then changing the 5 in 125 to a half-dozen to make the bank check $126.fifty. Any alteration can void the cheque at the discursion of the bank. A cross out, alteration or alter should be initialed by the account holder, but does not always terminate returns, especially with high dollar items. This stamp,
Contradistinct Detail, or Fictitious item can also come with forged coin orders, forged cashier's checks, and forged traveler'southward checks.
Item Exceeded Dollar Limit- Checks are returned with this stamp, Particular Exceeded Dollar Limit when an account holder has a cap on the maximum daily corporeality the account can pass in a 24-hour interval, or if there is a maximum bank check value for the account. Checks returned with this stamp cannot be re-deposited.
What next:If you have a check or draft returned, pay close attention to the reason code then you know if you can redeposit the item.
Protection: Apply services that will check the validity of your checks and drafts before you eolith the items. If you don't know how to contact the banking company once the bank check is returned, phone call i-900-868-2995 for the bank phone number and contact information.
Almost Common Reasons For Render
- Not Sufficient Funds
- Uncollected Funds Concur
- Stop Payment
- Closed Account
- Unable to Locate Account
- Frozen Business relationship
- Refer to Maker
- Not Authorized
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The Routing Number is a 9-digit number located between the Transit Symbols at the bottom of a valid U.S. check.
Routing Number Results are Updated Daily from the eRoutingNumber™ Database. This database includes sectional information, not offered by other sources, like Faux Routing Numbers, and the Fraction Lawmaking or Fractional Routing Number found on the confront of printed checks..
The eRoutingNumber™ database Includes All ABA Routing Numbers in the United States, as well as the bank website in many cases. The eRoutingNumber™ database as well contains the bank phone number and best number to call for cheque verification.
The eRoutingNumber™ database uses many different sources and has evolved since 1998, and now utilizes user reporting to keep the data in check.
Whatever user can written report a routing number missing, invalid, or provide details non included. We verify every submission and make notes or updates appropriately.
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Source: https://www.routingtool.com/response.html
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