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.
Utah Code § 70A-3-408
Drawee not liable on unaccepted draft
Repealed and Re-enacted by Chapter 237, 1993 General Session
Official source: Utah State Legislature. Reproduced from public-domain Utah statutes; confirm against the official source for the current text. Not legal advice.