Sometimes a bank will pay the check of a customer when he has not the amount to his credit, and any amount so paid out is called an "overdraft." This is equivalent to making a loan to the customer, but it is a very objectionable form, for if the person receiving the overdraft refused to return the money so loaned, the bank, if compelled to enforce collection at law, would be under the necessity to prove that the person had received the money, which would not be necessary if it held a promissory note as voucher for the loan. No well-managed bank will permit overdrafts to be made, and no depositor should knowingly make one.