Well, I certainly hope your bank wriggles out of this unscathed. Ken didn't say it, but I will -- Refer to maker is a lame excuse for "we don't want to pay for this puppy but we can't figure out a legit reason to deny payment." In this case, the fact that the check was made out for the wrong amount is not a valid reason for the issuing bank to return the check -- it has no defense to payment that is effective against your bank.
That said, it is probably true that things will sort themselves out here and everyone will end up getting what he, she or it should have.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8