WAEC - Commerce (2009 - No. 19)
The letters R/D on a cheque shows that the cheque is
paid
dishonoured
certified
accepted
स्पष्टीकरण
RD on a cheque means ''Refer to Drawer''
This means the cheque cannot be honored due to one reason or the other, which in this case could be a result of insufficient funds in the bank account.
Hence the bearer of the cheque is referred back to the account holder/owner.