A bank may contractually shift to its customer the risk of forged checks created electronically or otherwise by the use non-manual signatures.

Forged Checks

Checks that have been illegally altered or created to defraud and deceive, often involving signature forgery.

Non-Manual Signatures

Signatures that do not involve a handwritten mark, including electronic signatures and other forms of verification.

Contractually Shift

Refers to the process of moving responsibilities, rights, or liabilities from one party to another through the terms of a contract.