Question

Dalton presents an uncertified check for payment more than six months after its date. The check was drawn by Emma on her account in First City Bank. First bank may do all of the following except a. ask Dalton what he would prefer. b. cash the check. c. refuse to cash the check. d. consult Emma.

Answer 1

The correct answer is letter "A": ask Dalton what he would prefer.

Step-by-step explanation:

Checks must be endorsed so they can be cashed. Otherwise, anyone who finds the check can write his or her information at the back of the check and have it cashed. When checks are uncertified but the issuer is known, banks usually make the confirmation with the account holder. Based on the information provided by that person, the cash may or may not be cashed. Typically, until the confirmation is made, the bank holds the check.

Therefore, First City Bank is unlikely to ask Dalton what he prefers to do. Instead, they would just hold the check until the confirmation is made with Emma.