But perhaps John Doe, instead of receiving bank notes for the promissory note which he sold to the bank, accepted a deposit of one hundred dollars; that is, instead of receiving the money he received the right to call for the money at any time. The bank furnished him with a pass book in which there was a statement of his account and a check book containing blank checks which he might fill out to make payments until he had exhausted his deposit. John Doe now writes a check in favor of his creditor and sends it to him. It reads as follows:

"Washington, D.C., March 15, 1916. The Riggs National Bank. Pay to the order of John Robinson ($100.00) one hundred dollars.

(Signed) John Doe."

John Robinson, Doe's creditor, takes the check for a hundred dollars to his own bank, namely, the Second National Bank, and deposits it to his credit there. In other words, he sells the check to the Second National Bank and instead of receiving money for it receives a right to draw money from the bank.