A check or other draft does not of itself operate as an assignment of any funds in the hands of the drawee available for its payment, and the drawee is not liable on the instrument until he accepts it.
Drawee not liable on unaccepted draft - UCC 3-408
Ohio Rev. Code Ann. § 1303.45, under Chapter 1303 | Commercial Paper.
Ohio Rev. Code Ann. § 1303.45