What causes a member check to be returned as 'Refer to Maker'?
https://kb.cuanswers.com/cuanswers/ext/kb4488-what-causes-a-member-check-to-be-returned-as-refer-to-maker
WEBPreviously, 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 ...
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