It is evident that money is placed in a bank for safe-keeping, and that the bank becomes responsible for it. Therefore no part of it will be paid out without a check or written order of the depositor. When these checks are returned to the depositor and his pass book balanced, the bank is released from responsibility to that amount.
It is evident also that a check given in payment for goods or for any obligation becomes a receipt to the one who drew it; for the-person in whose favor it was drawn by writing his name on the back of the check acknowledges the receipt of the money. Some persons state on the face of the check " in payment for" ; but this is not good form, nor does it stand in law for more than the plain check. The checks cancelled at the bank stand as the bank's receipts or vouchers for depositor's money when returned to him or to his order.
If the drawer fails to take ordinary precautions to protect his checks from being "raised" or changed, the loss falls upon him should the bank pay the check for wrong amount.