In case the seller of discount items (the borrower) or his business clientele does not understand the deposit-check-paying system, he will probably ask that the proceeds be paid to him in cash. The bank then has the alternative of paying him in lawful money or of paying him in its own notes if they have attained to general acceptability. Such notes are simple promissory notes of the bank, issued in round, small denominations, and promising to pay the bearer on demand. The seller of the discounts may consciously accept these bank notes without hesitancy because he knows they pass freely as money, or he may accept them unconsciously through custom or through ignorance of their exact nature.