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acceptance acceptor accommodation party agency law agreement alteration amount apply assert automated clearing house Bank & Trust bank’s beneficiary breach buyer card issuer cardholder cash cashier’s check certified check Code collecting bank consumer consumer’s Corp court credit card creditor customer’s account D’er debit deposit depositary bank discharge disclosure draft drawee bank drawer drawer’s signature due course electronic fund transfer enforce the instrument entitled to enforce Federal Reserve Fedwire financial institution forged indorsement forgery holder in due incur indorsement infra instrument payable issued loss maker merchant Nat’l Bank negligence negotiable instruments obligor paid pay the instrument payee payment order payor bank person entitled preclude presentment warranties prior promissory note provides purchaser qualify receiving bank Regulation CC right of recourse rule seller sender Serv signed stop-payment order subrogation subsequent Supp supra transactions transfer warranties transferor unauthorized signature wire transfers