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.
W. Va. Code § 46-3-408
Drawee not liable on unaccepted draft
Known as the Uniform Commercial Code
The act spans §§ 46–46 (630 sections).
Official source: West Virginia Legislature. Reproduced from public-domain West Virginia statutes; confirm against the official source for the current text. Not legal advice.