Scenario: B$.$T$.$ Baracus is an eighteen$-$year$-$old freshman at A$-$Team University. He arrives on campus several days before classes begin, and learns of a ping pong tournament scheduled at Alpha Bravo Fraternity on Friday evening. Baracus arrives at the party, confident that a thorough university education means more much more than mere academics.

Baracus was invited to participate as a potential pledge contestant. Baracus was so caught up in the ping pong tournament that he inadvertently leaves his checkbook on the dining room table.

Three days later, Baracus realizes he is missing his checkbook. He returns to the fraternity to find his checkbook, but to no avail. He hurries to his bank$$s university branch on Hannibal Avenue, and learns that one check has been written on his account in the last three days, for $$3,500$ at Faceman$$s Tanning Beds and Haberdashery. Baracus$$ remaining checking account balance is $$5\mathrm{.}83.$ His parents will not be happy. They have, in the past, threatened to force him to join the Army Ping Pong Team and serve under Private First Class Forest Gomp.

In a $2-3-$page APA formatted paper, answer the following question: Is Baracus$$ bank legally obligated to re$-$credit his account in the amount of $$3,500?$ In doing so$,$ discuss Holder in Due Course and discuss available and possible liabilities and defenses.