... TWC's motion, we reject TWC's arguments that (1) N.J.S.A. 12A:4- 404 required Triffin to present the check within six months of ... dishonor; and, in any event, his claims were barred by N.J.S.A. 12A:4-404. The trial court found that Rio was a holder in ... when he purchased the check. The court also agreed that N.J.S.A. 12A:4-404 barred Triffin's claim. On appeal, Triffin contends he stands ... he, like Rio, is a holder in due course; and N.J.S.A. 12A:4-404 does not bar his claim against the drawer. We agree ... in-due-course status. 2. TWC also misplaced reliance on N.J.S.A. 12A:4-404 to support its contention that Triffin's claims were time ... a bank. Here, Triffin seeks payment from TWC, the drawer. N.J.S.A. 12A:4-404 states: 'A bank is under no obligation to a ...