What term describes a sender who does not have permission to write checks on an account?

The term "unauthorized writer" accurately describes a sender who does not have permission to write checks on an account. This designation highlights the lack of authorization or legitimacy in the context of managing financial instruments like checks. When someone who is not officially recognized as an account holder or authorized signer attempts to write a check, they do so without the legal right to access the funds or make withdrawals on that account.

In a financial context, proper authorization is crucial for maintaining the integrity of monetary transactions. A check written by an unauthorized writer would be considered invalid and thus pose risks such as fraud or theft, which financial institutions work diligently to prevent. Therefore, "unauthorized writer" succinctly encapsulates the essential elements of this scenario—expressing both the action (writing) and the lack of permission.

Other terms listed, while potentially descriptive, do not specifically convey the same meaning. For instance, "counterfeit marker" usually refers to someone who forges signatures or creates a fraudulent check, which is a more specific act of fraud rather than simply lacking permission. "Fake drawer" may imply someone who creates false identity or accounts, while "non-authorized user" is a broader term that could apply to various contexts where someone does not have permission, not