The maker of a check has the legal right, in most States, to stop payment on the check at any time before it is actually paid. So if he notifies the bank not to pay the check when it is presented, the bank cannot charge the amount to his account. The request may be by letter, telephone, or in person. Banks keep a careful record of such stop-orders, and do not accept them by wire unless they are certain of the identity of the person telephoning or telegraphing, and even then they obtain written confirmation as soon as possible.

Notice Of Overdraft Sent To Depositor

The Institute National Bank

Idaho...................................................192...............

Mr. .....................................................................

Dear Sir:

According to our books your account appears overdrawn $.................................... Please advise or call on us at once.

If an immediate notice is given that your account is overdrawn, do not misconstrue the haste. It is a wise provision to detect forgery, raised checks or mistakes.

Respectfully,

, Cashier.

Remarks