This section of the book is from the "Canadian Banking Practice" book, by John T. P. Knight.
Question 207.— Would a bank be justified in refusing payment of a cheque which had been torn across and pasted together?
Answer.—Yes. Unless perfectly satisfied as to its bona fides because of the channel through which it comes, it should only pay the cheque after confirmation by the drawer. The openings for fraud which any other policy would afford are too obvious to need discussion.