The term 'CHECK SIGNERS' refers to two distinct roles in the process of check processing. The first role is that of the 'PAYERS', which is a person or entity responsible for writing the check and authorizing payment. The second role is that of the 'ENDORSERS', which is a person or entity responsible for signing the back of the check and transferring ownership of the check to another party. Both roles are necessary for a check to be processed and funds to be transferred.