the Office of Maker's Bankers.

Question 416.— Is a bank justified in charging to a customer's account a note of that customer which is crossed "given for a patent right," and is made payable at such bank; or would the bank incur liability in refusing payment of such a note, there being sufficient funds at the customer's credit at the time the note was presented ?

Answer.—The bank would be perfectly justified in paying the note, but would not be bound to do so as between itself and customer, and would incur no liability in refusing to pay it.