The payer bank cannot charge the customer's account if it pays a check over the forged signature.

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The payer bank cannot charge the customer's account if it pays a check over the forged signature because the payment is not authorized by the account holder. It is the responsibility of the payer bank to verify the signature and ensure that it matches the authorized signature on file before processing the payment. If the bank pays a check with a forged signature, they will be held liable for the loss and cannot recover the funds from the customer's account.

The Payer Bank Cannot Charge the Customer's Account If It