If the bank representative asks to call you back, remember how you identified yourself and attend to the phone until the call is returned. Another strategy is to tell the bank employee that you're trying to verify an account number on a check that bounced, but can't read the account number because the check is torn, the bank punched a hole through it or you have a bad photocopy. Often, the employee will. After you find the funds, levying on them requires little effort on your part. If you try to levy on an account containing exempt cash, it is up to the debtor to object in court and prove that the money came from an exempt source.
Few debtors file such a claim.
Even if the debtor does, it's possible that the debtor has some exempt money but mixes it with non-exempt money and cannot prove that the money grabbed came from the exempt source. The following is a list of sources of cash deposited in bank accounts that the debtor may claim as exempt in most states. In most states, the debtor can exempt some or all of her public and private retirement benefits, including IRAs and Keoghs. If the account belongs to the judgment debtor and his spouse, the entire account will be subject to your levy, but the spouse will have an opportunity to object to the levy. If the account is in the name of the debtor and someone else not his spouse, you may not levy on the other person's share of the funds.