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What Does "Refer to Maker" Mean?

What does it mean when a check is marked "refer to maker"?

"Refer to Maker" is a broad term used by banks when they have determined that a check cannot be paid, but there may be sufficient funds on deposit. It often means the bank suspects fraud, but cannot confirm that at the time. Many county attorneys will not accept these checks in "hot check collection" programs, but they may be able to assist you in providing advice on how you may be able to collect on the check or what steps to take, based on your local laws.

Published on 6/27/07