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"Refer to Maker" on a money order or cashier's check probably means that the location of which the check was drawn upon (such as Western Union, USPS etc) did not verify the item as valid. "Refer to Maker" is in the same fraud category of codes along with insufficient funds, account closed, and invalid signature. The money order itself is most likely invalid because if was not bought through an approved outlet - possibly bought online or second-hand somehow. Money orders stamped "refer to maker" can't be redeposited and another item must be purhased.

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What does refer to maker mean when a check is returned from the bank?

When a check is returned from the bank with the notation "refer to maker," it means that the bank is unable to process the check due to insufficient funds or other issues, and the payee should contact the person who issued the check (the maker) for clarification or resolution. Essentially, it indicates that the bank needs more information from the maker before it can honor the check. This situation often arises when the maker's account does not have enough funds to cover the check amount.


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