A drawee has no liability on a check or other draft unless it certifies or accepts the check or draft.

Question

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According to the Uniform Commercial Code (UCC), a drawee (the bank or financial institution on which a check or draft is drawn) has no legal obligation to pay the check or draft unless it certifies or accepts it. Until then, the drawee is simply a third-party involved in the transaction with no liability. Once the drawee certifies or accepts the check or draft, they become liable for its payment.

A Drawee Has No Liability on a Check or Other