Herb steals a check from Kay's checkbook, forges Kay's signature, and transfers the check to Will for value. Unaware that the signature is not Kay's, Will presents the check to First State Bank, the drawee. The bank cashes the check. Kay discovers the forgery and insists that the bank recredit her account. Can the bank refuse to recredit Kay's account? If not, can the bank recover the amount paid to Will? Why or why not?