HRS §490:3-408
Drawee not liable on unaccepted draft
A check or draft is not a direct order to pay money from the bank. The bank (drawee) is not responsible for paying it unless the bank officially accepts the draft first.
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The statute, as written — Drawee not liable on unaccepted draft
A check or other draft does not of itself operate as an assignment of funds in the hands of the drawee available for its payment, and the drawee is not liable on the instrument until the drawee accepts it.
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