Refer to Maker - RTM - Returned Check RTM: Why was my check returned RTM?  Why was a deposit stamped Refer to Maker? What does Refer to Maker mean?  What does RTM stand for on a check? Refer to Maker - RTM- Checks returned with the RTM stamp require the depositor to contact the maker of the check. Refer to maker means, you should contact the person that wrote the check to find out why the item was returned.   If the maker does not know why the item was returned, the maker should contact their own bank for the reason. The merchant cannot obtain the reason for return from the maker's bank, only the maker can get this information.   Items stamped RTM or stamped Refer to Maker cannot be re-deposited. A new item is required.

What next:
If you have a check or draft returned, pay close attention to the reason code so you know if you can redeposit the item. 

Protection:
Use services that will check the validity of your checks and drafts before you deposit the items. Free services to verify the routing number, are offered at https://routingtool.com and for as low as 39 cents each, you can verify and validate checks and find out if the routing number and the account number are valid by using https://bettercheck.com

Checks by phone:
Learn how to take checks by phone.

         Advertisement:  
        
           Learn how to accept checks by phone.

                

       

               - Reasons For Return Main Page
               - Not Sufficient Funds
               - Uncollected Funds Hold
               - Stop Payment
               - Closed Account
               - Unable to Locate Account
               -  Frozen Account
               - Refer to Maker
               - Not Authorized