What does "Refer to Maker" mean on a check?
Why was my check returned "Refer to Maker"or "RTM"?
Can I redeposit a check stamped "Refer to Maker" or "RTM"?
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 [maker] 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.
Usually Refer to Maker checks are stamped DO NOT REDEPOSIT, the account number is also crossed out or punched out with a hole punch. If not, you still can't redeposit the item or it will be returned as Refer to Maker or RTM again.
If you deposited an item returned for Refer to Maker, also know as an RTM Check, you will be charged a fee by your bank. Returned check fees usually range between $5 and $39 depending on your bank, and the state where you opened your account.
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Most Common Reasons For Return
- 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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The Routing Number is a 9-digit number located between the Transit Symbols at the bottom of a valid U.S. check.
Routing Number Results are Updated Daily from the eRoutingNumber™ Database. This database includes exclusive data, not offered by other sources, like Fake Routing Numbers, and the Fraction Code or Fractional Routing Number found on the face of printed checks..
The eRoutingNumber™ database Includes All ABA Routing Numbers in the United States, as well as the bank website in many cases. The eRoutingNumber™ database also contains the bank phone number and best number to call for check verification.
The eRoutingNumber™ database uses many different sources and has evolved since 1998, and now utilizes user reporting to keep the data in check.
Any user can report a routing number missing, invalid, or provide details not included. We verify every submission and make notes or updates accordingly.
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All banks are covered, not just some. Here is a list of the 50 most common banks that RoutingTool™ customers look up:
About RoutingTool™
RoutingTool™ started in 1996 as a validator script for CheckWriter™ Software, and evolved into a complete database containing every routing number in the U.S. banking system.. The validator script is still posted at the "http://yourfavorite.com" website, similarly to how it appeared then. Now, the validator script is available in the professional account so you can integrate simple validation for PHP, C#, JAVA and PYTHON. RoutingTool™ data is automatically referenced for transactions using CheckWrtier™, BetterCheck™, Text-a-Check™ and WebDebit™.
RoutingTool™ is used by 90% of the Fortune 100 Companies for 2020. Successful businesses, including banks, finance companies, fintech solutions, insurers, investors, ecommerce giants and mom and pop businesses use RoutingTool™ Virtual Terminal or RoutingTool™ Professional Accounts to verify routing numbers.
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