Suppose, in problem 20, that Michael also indorses the check and cashes it at a bank. On what two legal grounds does the bank have recourse against him if the check does not clear?

Jessica Patton unknowingly lost a blank check that she kept in her wallet for emergency situations. Abby Turner found the check in the restroom of a local mall and made the check out to herself for the sum of $500, forging Pattons signature. Pattons bank did not catch the forged signature and cashed the check. Does Patton have any recourse against her bank? Explain your answer.