What term refers to the individual or company authorized to write checks on an account?

The term that refers to the individual or company authorized to write checks on an account is the drawer or marker. This is the person or entity that holds the account and has the authority to initiate transactions, such as writing checks, against the funds in that account.

In banking terminology, the drawer is the one who creates the check, indicating their intention to pay a specified amount to the payee from their account. The ability to write checks implies that this individual or company has the necessary permissions set by the financial institution, reinforcing their role as the owner of the funds.

In contrast, other terms listed refer to different roles in the context of checks and accounts. The payee is the person or entity that receives the payment, the account holder is generally understood to be the individual or company that has control over the account (though not specifically limited to writing checks), and the endorser is someone who signs a check or negotiates its endorsement, but may not necessarily hold the authority to write checks on the account itself.