Brad Wrote a Check to Clara for $1,000 on His

question 33

Multiple Choice

Brad wrote a check to Clara for $1,000 on his account at First Bank. He then took it to his bank for certification. The bank wrote "certified" on the face of the check. Brad then gave the check to Clara. When Clara took the check to First Bank, they refused to pay, claiming that there was not enough money in Brad's account to cover the check. Which of the following is correct?

• A) First Bank is primarily liable on the check, because it has already accepted it.
• B) Clara has no recourse under the circumstances.
• C) Brad is secondarily liable on the check, because he is the drawer.
• D) First Bank must pay the check, but they may charge Brad a fee to do so.

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Definitions:

Situational Factors

External conditions or circumstances that can affect an individual's behavior or choices at a given moment.

Aptitudes

Natural abilities or talents that individuals possess, which can influence their ease of learning or proficiency in particular tasks or areas.

Self-Verification

The theory that people have a need to seek confirmation of their self-concept, whether positive or negative, from others in their social environment.

Self-Concept

An individual's perception of themselves, which includes beliefs, feelings, and knowledge about personal attributes.