Martha has a checking account with Hometown Bank.Martha signs a check "payable to Phillipa" drawn on Martha's Hometown Bank account.Hometown Bank is

Name: Martha has a checking account with Hometown Bank.Martha signs a check "payable to Phillipa" drawn on Martha's Hometown Bank account.Hometown Bank is
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Hometown Bank is the drawee because it is the bank on which the check is drawn and is responsible for paying the check amount from Martha's account.

Martha Has a Checking Account with Hometown Bank