uncleared effects

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Checks and drafts that have been deposited by a bank's customer but have not completed the bank's clearing cycle: either they have not been paid by the drawee bank or the proceeds have not been credited to the customer's account. Also called uncollected funds or uncollected items.

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A deposit into a bank account that has not yet cleared. For example, one may deposit a check for $1,000 from an out-of-state bank. The funds may be posted to the account immediately, but they will not become available to the account holder until the issuing bank honors the check and transfers the funds to the receiving bank. This process can take as long as five business days.