Section 3-104 . Because only if it is will Articles 3 and 4 of the UCC apply. Don't make the mistake of cashing a non-negotiable item or accepting it for deposit. Section 3-104 . A draft is an order to pay money.
Checks are a type of draft.
To be a check , an item must be drawn on a bank. When you are trying to determine how the UCC applies to an item, you will need to determine if it is a check or a simple draft. Drafts that are not checks are drawn on nonbank payees. Section 3-109 . Checks may be payable to Bearer or to Order .