This section of the book is from the "Canadian Banking Practice" book, by John T. P. Knight.
Question 181.— (1) A cheque is drawn "Pay to A. B. or order." The payee presents the cheque for payment to the bank on which it is drawn. Can the bank refuse payment unless the payee endorses the cheque? (2) Is a party receiving the money in payment of a debt due him obliged to give a receipt for the money?
Answer.—Both these enquiries are covered in the reply to question 180.