Awritten set of instructions that tells a bank how to use money to pay someone is a

- Check.

Explanation:

Check is demonstrated as the inscribed set of commands that notifies a bank about how to use money to pay someone. It directs the bank about the exact sum of money to be paid to the bearer of the check. It is a signed document that directs the bank about the amount of money to be drawn on the name of the payer and handed over to the payee. Thus, 'check' would be the correct answer.

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yes, it can be both.