1. AngTekLian v.

Courts of Appeals GR L-2516 September 25, 1950

Facts:
Ang Tek Lian knowing that he had no funds therefor, drew a check upon China Banking Corporation
payable to the order of cash. He delivered it toLee Hua Hong in exchange for money. The check was
presented by Lee Hua hong to the drawee bank for payment, but it w3as dishonored for insufficiency of funds.
With this, Ang Tek Lian was convicted of estafa.
Issue:
Whether or not the check issued by Ang Tek Lian that is payable to the order to cash and not have
been indorsed by Ang Tek Lian, making him not guilty for the crime of estafa.
Held:
No.Under Sec. 9 of NIL a check drawn payable to the order of cash is a check payable to bearer and
the bank may pay it to the person presenting it for payment without the drawers indorsement. However, if the
bank is not sure of the bearers identity or financial solvency, it has the right to demand identification or
assurance against possible complication, such as forgery of drawers signature, loss of the check by the rightful
owner, raising of the amount payable, etc. But where the bank is satisfied of the identity or economic standing
of the bearer who tenders the check for collection, it will pay the instrument without further question; and it
would incur no liability to the drawer in thus acting.
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