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., Why would a check be returned refer to maker? Answer: “Refer to maker” may be used to return a check within Positive Payee, for any reason, when “stale dated”, “fraud” and “duplicate item” are not appropriate., Previously, credit unions used Code 38 for “Return to Maker”, but this code is no longer available in the system. This change was initiated by a Reg CC change in 2018. Now, if you are presented with a situation where you need to return a check to another institution, it is recommended that you use one of these codes to clarify the reason , Often, "refer to maker" is a red flag that the paying bank is attempting to slip by a late return. Perhaps the issuer of the check filed a late stop payment order or claimed a fraudulent signature after the bank's midnight deadline., "Refer to Maker " means that the customer must contact the check issuer (the bank that issued the check) for more information on why it was returned or rejected. If a check deposit is returned as "Refer to Maker," the best solution is to request a new check to be issued for the customer., .