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According to Kubler-Ross and her work on the stages involved in dying, the first stage one encounters is
Drawee Bank
The financial institution upon which a check is drawn and is responsible for paying the amount indicated when properly presented.
Stop Payment
An order given by an account holder to their bank to not pay out or honor a check or payment that has previously been issued from their account.
Holder In Due Course
A party possessing a negotiable instrument, like a check, who has certain rights to payment free from most defenses or claims.
Check Alteration
The unauthorized modification of details on a check, such as the amount or payee, usually for fraudulent purposes.
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