Who is referred to as the originator of a check?

The term "originator of a check" refers specifically to the drawer, who is the individual or entity that writes and signs the check. This person is responsible for ensuring there are sufficient funds in their account to cover the amount written on the check.

The drawer's role is crucial because they initiate the payment process by instructing their financial institution to transfer funds from their account to the payee, who is the recipient of the check. In essence, the drawer is the one who creates the check with their signature, effectively authorizing the transaction.

Other roles, such as the payee, authorized signer, and beneficiary, serve different purposes in the check-writing process. The payee is the person or organization that the check is made out to, the authorized signer might refer to someone who has permission to sign checks on behalf of the organization, and the beneficiary typically receives the funds but does not originate the transaction. Thus, the drawer is the correct choice for the originator of a check.