▁known ▁as ▁sight ▁draft s , ▁as ▁they ▁are ▁pay able ▁when ▁presented ▁by ▁sight ▁to ▁the ▁bank . ▁Under ▁U CC ▁ 3 - 1 0 4 , ▁a ▁draft ▁has ▁been ▁defined ▁as ▁a ▁negoti able ▁instrument ▁in ▁the ▁form ▁of ▁an ▁order . ▁The ▁person ▁making ▁the ▁order ▁is ▁known ▁as ▁the ▁dra wer ▁and ▁the ▁person ▁specified ▁in ▁the ▁order ▁is ▁called ▁the ▁dra we e , ▁as ▁defined ▁in ▁the ▁U CC ▁ 3 - 1 0 3 . ▁The ▁party ▁who ▁creates ▁the ▁draft ▁is ▁called ▁the ▁mak er , ▁and ▁the ▁party ▁who ▁is ▁ordered ▁to ▁pay ▁is ▁called ▁the ▁dra we e . ▁ ▁In ▁US , ▁rem ot ely ▁created ▁che ques ▁are ▁also ▁called ▁demand ▁draft s . ▁Rem ot ely ▁created ▁che ques ▁are ▁orders ▁of ▁payment ▁created ▁by ▁the ▁pay ee ▁and ▁author ized ▁by ▁the ▁customer ▁rem ot ely , ▁using ▁a ▁tele phone ▁or ▁the ▁internet ▁by ▁providing ▁the ▁required ▁information ▁including ▁the ▁M IC R ▁code ▁from ▁a ▁valid ▁che que . ▁They ▁do ▁not ▁bear ▁the ▁sign atures ▁of ▁the ▁customers ▁like ▁ordinary ▁che ques . ▁Instead , ▁they ▁bear ▁a ▁legend ▁statement ▁" Author ized ▁by ▁Dra wer ". ▁This ▁type ▁of ▁instrument ▁is ▁usually ▁used ▁by ▁credit ▁card ▁companies , ▁utility ▁companies , ▁or ▁te lem ark eters . ▁Rem ot ely ▁created ▁che ques ▁are ▁sus cept ible ▁to ▁fra ud . ▁ ▁See ▁also ▁▁▁ ▁C ash ier ' s ▁check ▁ ▁M