Question 113.— Has a bank a right to refuse to certify a cheque presented by the drawer, and payable to his own order, because it is not endorsed?

Answer.—We do not think that the ordinary contract between a bank and its customer obliges it to accept or certify cheques. We think that all it is bound to do is to pay the cheques on presentation if there are funds. The most that could be said would be that the bank should not refuse to certify cheques issued by its customer, when there had been a long established practice on its part of doing so, without reasonable notice. We think, however, that when a cheque is presented by the customer himself, no question of this kind could arise.