21 Ways used by law enforcement, bank investigators, law firms and researchers to locate bank accounts.
The following information has been compiled from various sources to aid
law information, bank investigators, law firms and researchers who are
in need to obtain checking account information for investigatory
reasons only. This file originally appeard at the National Check Fraud
1. Send the Defendant a Check
sending the defendant a check in a small amount. The defendant deposits
the check in his account. When the check is returned to you it should
have the defendant's bank account number on the back. This is an old
trick and it is usually used with some corresponding literature, such
as a gift certificate, rebate, refund or survey. The more professional
looking the literature, the better the results.
There are a
number of other facts you gain by using this method. The cashing of the
check by your subject gives you proof he or she receives mail at the
address you sent the check to. The canceled check will have a signature
of your subject. This is a good way to obtain an otherwise unobtainable
sample of your subject's signature. Additionally, the subject's drivers
license number may be listed on the back of the check.
2. Buy Something from the Defendant
Have someone purchase something from the defendant's store or business.
Be sure to pay by check. Naturally, this procedure works best if the
defendant runs a business or service operation. If he or she does, it
is a relatively simple matter to purchase something from the defendant.
If the he or she performs a service, simply hire him or her to work for
you. If, as an attorney, you think your subject will not fall for this
method, use a third party in your place. I warn you not to involve a
third party in an undercover operation if you believe there is the
slightest chance for violence.
This seemingly simple task can
lead to some unusual situations. I had a case against a debtor who ran
a small retail establishment. My goal was to simply go into the store
and purchase something with a check so I could obtain the store's bank
account number. The business was located close to Martin Luther King
Boulevard in a predominately black area of town. It was quite a
challenge for a white guy to look inconspicuous under these
Sure enough, in my next bank statement was the
debtor's bank account information on the back of the check I had
written him for merchandise bought in his store.
3. UCC Filings - File Copy from the Secretary of State
A search should be made of Uniform Commercial Code filings. The bank
that loaned the defendant money may be the same bank he or she uses
The debtor will probably obtain financing from a
bank that he or she normally does business with. This makes sense. The
debtor will usually have a better chance of obtaining a loan from a
bank he or she already has a banking relationship with.
debtor's probable bank is identified, you have at least two bites of
the apple in obtaining the debtor's bank account. The debtor may have
applied to the same bank for a loan.
4. UCC Filing - Loan Application from the Secured Party
Keep in mind what purpose that a UCC-1 filing serves. It is to provide
notice to the public that the secured party has an interest in the
debtor's property. This is generally from the secured party loaning
money to the debtor. The debtor does this by filling out a loan
application and financial statement. This information should contain
the debtor's bank account information.
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