is writing a check on an account with uncollected funds a crime 
not if there are available funds in the account that can cover the check and if a check bounces most accountholders will be charged a ucf fee rather than with a crime the bottom lineuncollected funds are the part of any bank deposit that is normally quarantined for a short period of time and unavailable for use by a bank customer until the deposit clears the purpose of the uncollected funds phase is to ensure that the money related to a deposited check actually makes it into the bank account before it is spent this practice can protect banks and customers from fraud function as a basic money management tool for accountholders and provide banks with a short term investment window for added returns 