What does "Unable to Locate" mean on a check?
Why was my check returned "Unable to Located Account"?
Can I redeposit a check stamped "Unable to Locate" or "UTL"?
Unable to Locate Account - UTL - Unable to Locate - When a check or draft is returned with the Unable to Locate or UTL stamp, 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, 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 stamp to help the merchant locate the proper details.
Users of CheckWriter software 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, 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.
Usually UNABLE TO LOCATE checks are stamped DO NOT REDEPOSIT, the account number is also crossed out or punched out with a hole punch. If not, you still can't redeposit the item or it will be returned as Stop Payment again.
If you deposited an item returned for Unable to Locate Account, also know as a UTL Check, you will be charged a fee by your bank. Returned check fees usually range between $5 and $39 depending on your bank, and the state where you opened your account.
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Most Common Reasons For Return
- Not Sufficient Funds
- Uncollected Funds Hold
- Stop Payment
- Closed Account
- Unable to Locate Account
- Frozen Account
- 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 exclusive data, not offered by other sources, like Fake Routing Numbers, and the Fraction Code or Fractional Routing Number found on the face 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 also contains the bank phone number and best number to call for check verification.
The eRoutingNumber™ database uses many different sources and has evolved since 1998, and now utilizes user reporting to keep the data in check.
Any user can report a routing number missing, invalid, or provide details not included. We verify every submission and make notes or updates accordingly.
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- Complete List Of Bank Participants By State:
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All banks are covered, not just some. Here is a list of the 50 most common banks that RoutingTool™ customers look up:
About RoutingTool™
RoutingTool™ started in 1996 as a validator script for CheckWriter™ Software, and evolved into a complete database containing every routing number in the U.S. banking system.. The validator script is still posted at the "http://yourfavorite.com" website, similarly to how it appeared then. Now, the validator script is available in the professional account so you can integrate simple validation for PHP, C#, JAVA and PYTHON. RoutingTool™ data is automatically referenced for transactions using CheckWrtier™, BetterCheck™, Text-a-Check™ and WebDebit™.
RoutingTool™ is used by 90% of the Fortune 100 Companies for 2020. Successful businesses, including banks, finance companies, fintech solutions, insurers, investors, ecommerce giants and mom and pop businesses use RoutingTool™ Virtual Terminal or RoutingTool™ Professional Accounts to verify routing numbers.
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eRouting Number Database |
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