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 redeposited. A new item is required.

               - 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


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