Under the Illinois Financial Institutions Electronic Documents and Digital Signature Act, when a signature is required in a communication between a bank and its customer, the customer can affix a digital signature that has the same force and effect as the use of a manual signature. In order for a digital signature to be effective, it must be unique to the person using it, capable of verification, under the sole control of the person using it and linked to data in such a manner that if the data is changed, the digital signature is invalidated. A customer signing in to an account with a user identification and password would meet the requirements for a customer’s digital signature and absolve the need for a separate manual signature by the customer for a stop payment request.