Which of the following is true of the drawer-drawee relationship? The drawer becomes the creditor when the drawee bank pays more than the drawer has on deposit. The drawer becomes a debtor and the drawee bank becomes the creditor at the time of opening a checking account The drawer becomes the insured and the drawee bank becomes the insurer at the time of opening a checking account The drawer becomes the creditor and the drawee bank becomes the debtor at the time of opening an account