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.
N.D. Cent. Code § 41-03-45
(3-408) Drawee not liable on unaccepted draft
Known as the Uniform Commercial Code
The act spans §§ 41–41 (597 sections).
Official source: North Dakota Legislative Branch. Reproduced from public-domain North Dakota statutes; confirm against the official source for the current text. Not legal advice.