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Illinois Compiled Statutes

810 ILCS 5/3-110 (2026)

Identification of person to whom instrument is payable

✓ current as of May 2026
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(810 ILCS 5/3-110) (from Ch. 26, par. 3-110)
    Sec. 3-110. Identification of person to whom instrument is payable.
    (a) The person to whom an instrument is initially payable is determined by the intent of the person, whether or not authorized, signing as, or in the name or behalf of, the issuer of the instrument. The instrument is payable to the person intended by the signer even if that person is identified in the instrument by a name or other identification that is not that of the intended person. If more than one person signs in the name or behalf of the issuer of an instrument and all the signers do not intend the same person as payee, the instrument is payable to any person intended by one or more of the signers.
    (b) If the signature of the issuer of an instrument is made by automated means, such as a checkwriting machine, the payee of the instrument is determined by the intent of the person who supplied the name or identification of the payee, whether or not authorized to do so.
    (c) A person to whom an instrument is payable may be identified in any way including by name, identifying number, office, or account number. For the purpose of determining the holder of an instrument, the following rules apply:
        (1) If an instrument is payable to an account and the
    
account is identified only by number, the instrument is payable to the person to whom the account is payable. If an instrument is payable to an account identified by number and by the name of a person, the instrument is payable to the named person, whether or not that person is the owner of the account identified by number.
        (2) If an instrument is payable to:
            (i) a trust, an estate, or a person described as
        
trustee or representative of a trust or estate, the instrument is payable to the trustee, the representative, or a successor of either, whether or not the beneficiary or estate is also named;
            (ii) a person described as agent or similar
        
representative of a named or identified person, the instrument is payable to the represented person, the representative, or a successor of the representative;
            (iii) a fund or organization that is not a legal
        
entity, the instrument is payable to a representative of the members of the fund or organization; or
            (iv) an office or to a person described as
        
holding an office, the instrument is payable to the named person, the incumbent of the office, or a successor to the incumbent.
    (d) If an instrument is payable to 2 or more persons alternatively, it is payable to any of them and may be negotiated, discharged, or enforced by any or all of them in possession of the instrument. If an instrument is payable to 2 or more persons not alternatively, it is payable to all of them and may be negotiated, discharged, or enforced only by all of them. If an instrument payable to 2 or more persons is ambiguous as to whether it is payable to the persons alternatively, the instrument is payable to the persons alternatively.
(Source: P.A. 87-582; 87-1135.)

    
Notes of Decisions
Cited in 4 cases, 2002–2017 · leading case: Dore v. Quezada, 2017 IL App (1st) 162142 (Ill. App. Ct. 2017).
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Dore v. Quezada, 2017 IL App (1st) 162142 (Ill. App. Ct. 2017). “810 ILCS 5/3-110(a) (West 2014). Relying on this section, plaintiff argues Bolger’s intent, as the issuer, determines to whom the $1000 check should be paid.”
Dore v. Quezada, 2017 IL App (1st) 162142 (Ill. App. Ct. 2017). “810 ILCS 5/3-110(a) (West 2014). Relying on this section, plaintiff argues Bolger’s intent, as the issuer, determines to whom the $1000 check should be paid.”
Parkway Bank & Trust Co. v. State Farm Fire & Cas. Co., 2013 IL App (1st) 122387 (Ill. App. Ct. 2013). “Under section 3-110(d) (810 ILCS 5/3-110(d) (West 2010)), where a check is made payable jointly to two or more persons, the check may only be enforced by all of them; a joint payee acting alone is not entitled to enforce the check.”
Harder v. First Capital Bank (Ill. App. Ct. 2002). · cites it 2× “" 810 ILCS 5/3-110(a) (West 1998). The UCC comment to section 3-110(a) states this issue usually arises in a dispute over the validity of an indorsement of a payee.”
— 810 ILCS 5/3-110(a) — 3 cases
Dore v. Quezada, 2017 IL App (1st) 162142 (Ill. App. Ct. 2017). “810 ILCS 5/3-110(a) (West 2014). Relying on this section, plaintiff argues Bolger’s intent, as the issuer, determines to whom the $1000 check should be paid.”
Dore v. Quezada, 2017 IL App (1st) 162142 (Ill. App. Ct. 2017). “810 ILCS 5/3-110(a) (West 2014). Relying on this section, plaintiff argues Bolger’s intent, as the issuer, determines to whom the $1000 check should be paid.”
Harder v. First Capital Bank (Ill. App. Ct. 2002). “" 810 ILCS 5/3-110(a) (West 1998). The UCC comment to section 3-110(a) states this issue usually arises in a dispute over the validity of an indorsement of a payee.”
— 810 ILCS 5/3-110(d) — 2 cases
Parkway Bank & Trust Co. v. State Farm Fire & Cas. Co., 2013 IL App (1st) 122387 (Ill. App. Ct. 2013). “Under section 3-110(d) (810 ILCS 5/3-110(d) (West 2010)), where a check is made payable jointly to two or more persons, the check may only be enforced by all of them; a joint payee acting alone is not entitled to enforce the check.”
Harder v. First Capital Bank (Ill. App. Ct. 2002). “" 810 ILCS 5/3-110(a) (West 1998). The UCC comment to section 3-110(a) states this issue usually arises in a dispute over the validity of an indorsement of a payee.”
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