HRS §490:4-205
Bank becomes holder of a check even without your signature
When you give a check to your bank for collection, the bank becomes the holder of that check at the moment it receives it, even if you do not sign the back. The bank also promises to other banks and the payer that the money was paid to you or put into your account.
The statute, as written — Depositary bank holder of unindorsed item
If a customer delivers an item to a depositary bank for collection: (1) The depositary bank becomes a holder of the item at the time it receives the item for collection if the customer at the time of delivery was a holder of the item, whether or not the customer indorses the item, and, if the bank satisfies the other requirements of section 490:3-302, it is a holder in due course; and (2) The depositary bank warrants to collecting banks, the payor bank or other payor, and the drawer that the amount of the item was paid to the customer or deposited to the customer's account.
Sections this one refers to
§490:3-302 Who counts as a holder in due course
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