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HRS §490:3-403

Unauthorized signatures on checks and other payment papers

This section says what happens when someone signs a check or payment paper without permission. The signature generally does not count, except in limited cases, and the unauthorized signer may still face legal trouble. It also covers when an organization's signature is missing one required person's signature.

everyone

The statute, as written — Unauthorized signature

(a) Unless otherwise provided in this article or article 4, an unauthorized signature is ineffective except as the signature of the unauthorized signer in favor of a person who in good faith pays the instrument or takes it for value. An unauthorized signature may be ratified for all purposes of this article. (b) If the signature of more than one person is required to constitute the authorized signature of an organization, the signature of the organization is unauthorized if one of the required signatures is lacking. (c) The civil or criminal liability of a person who makes an unauthorized signature is not affected by any provision of this article which makes the unauthorized signature effective for the purposes of this article.
Read the official text at capitol.hawaii.gov ↗as published Jan 6, 2026our copy taken Aug 20, 2026

LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.