This section of the book is from the "Canadian Banking Practice" book, by John T. P. Knight.
Question 184.— If a cheque is drawn in favour of Sam. Jones without any further description of payee, can the bank pay the money to any Sam. Jones, or is it the bank's duty to find out to which Sam. Jones the cheque belongs?
Answer.—The bank would we think be responsible if it paid the money to anyone other than the Sam. Jones to whom the cheque belongs.