Delivery of a draft,1 whether drawn by the debtor,2 or by a third person,3 is not according to the weight of authority prima facie payment of an antecedent debt. Even if the creditor marks a note and mortgage as paid and delivers them to the debtor on receipt of a draft from the debtor, such conduct is not of itself sufficient to show that the draft was taken as absolute payment.4

Omission of the creditor to use proper diligence in collecting the draft,5 will make the draft operate as a payment to the extent of the injury thus caused.

A cashier's check 6 is not prima facie payment, though if there is any evidence tending to show that it was so accepted it is error to withdraw such question from the jury.7 One who has accepted a cashier's check, not as absolute payment, and believing it to be a draft, does not accept it as absolute payment by exchanging it for a draft so as to carry out the intention of the parties.8 The fact that the creditor does not give immediate notice of dishonor, but waits and collects a dividend out of the estate of the drawer bank, is not conclusive that payment was intended.9 A certificate of deposit, indorsed by the debtor to the creditor, is not prima facie payment,10 and the creditor need not protest such certificate for non-payment to hold the debtor.11 Delivery of a time certificate, as where it is executed by one of several joint debtors,12 is not prima facie payment.

1 Dille v. White, 132 Ia. 327, 10 L R. A. (N.S ) 510, 109 N. Y. 909; Mutual Benefit Life Ins. Co. v. Chattanooga Savings Bank, 47 Okla. 748, L. R. A. 1916A, 669, 150 Pac. 190.

2 United States. The Bird of Paradise, 72 U. S. (5 Wall.) 545, 18 L. ed. 662; The Emily Souder, 84 U. S. (17 Wall) 666, 21 L. ed. 683.

Georgia. Flannery v. Barley, 117 Ga. 483, 43 S. E. 765; Kinard v. First National Bank, 125 Ga. 228, 114 Am. St. Rep. 201, 53 S. E. 1018.

Illinois. Hodgen v. Latham, 33 HI 344.

Louisiana. Bank v. Knobloch, 144 La. 100, 80 So. 214.

New York. Holdsworth v. De Be-launzaran. 106 N. Y. 119, 12 N. E. 615.

Oklahoma. Mutual Benefit Life Ins. Co. v. Chattanooga Savings Bank, 47 Okla. 748, L. R. A. 1916A, 669, 150 Pac. 190.

Pennsylvania. League v. Waring, 85 Pa. St. 244.

South Dakota. Estey v. Birnbaum, 9 S. D. 174, 68 N. W. 290.

3 Brown v. Olmstead, 50 Cal. 162; Bank v. Knobloch, 144 La. 100, 80 So. 214; National Life Ids. Co. v. Goble, 51 Neb. 6, 70 N. W. 503.

4 Kinard v. First National Bank, 125 Ga. 228, 114 Am. St. Rep. 201, 53 S. E. 1018.

5 Whitney v. Esson, 99 Mass. 308, 96 Am. Dec. 762; Phoenix Ins. Co. v. Allen, 11 Mich. 501, 83 Am. Dec. 756; Allan v. Eldred, 50 Wis. 132, 6 N. W. 565.

6 Dille v. White, 132 Ia. 327, 10 L. R. A. (N.S.) 510, 109 N. W. 909: Seamen v. Muir, 72 Or. 583, 144 Pac. 121; Holmes v. Briggs, 131 Pa. St. 233, 17 Am. St. Rep. 804, 18 Atl. 928 [s. c, sub nomine, Briggs v. Holmes, 118 Pa. St. 283, 4 Am. St. Rep. 597, 12 Atl. 3551.

7 Briggs v. Holmes, 118 Pa. St. 283, 4 Am. St. Rep. 597, 12 Atl. 355.

8 Dille v. White, 132 la. 327, 10 L. R. A. (N.S.) 510, 109 N. W. 909.

9 Holmes v. Briggs, 131 Pa. St. 233, 17 Am. St. Rep. 804, 18 Atl. 928.

1 0 United States. Downey v. Hicks, 55 U. S. (14 How.) 240, 14 L. ed. 404.