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Negotiable Instrument

A written order to pay, such as an ACCEPTANCE, CHECK, BILL OF EXCHANGE, or PROMISSORY NOTE.

Under Article 3 of the UNIFORM COMMERCIAL CODE, an instrument is negotiable if it is: (1) a written instrument signed by the endorser or maker; (2) an unconditional promise to pay a certain amount of money, either on demand or at a future date; and (3) payable to the holder or bearer.  

A person who becomes a holder in due course of a negotiable instrument by delivery, or by delivery and endorsement, has an unrestricted claim to the instrument.

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