Question 63. - The name of the bank printed on a cheque was ruled out, and that of the one at which the drawer kept his account written in. Would this under any circumstances be a material alteration?

Answer. - Any change made in a cheque before the drawer signed it is not an "alteration" in any sense. If the change were made after the cheque was issued, it would, of course, invalidate the cheque, and the question sometimes arises as to the propriety of paying a cheque drawn on an altered form where the alteration is not initialed by the drawer. Ordinarily, no doubt, the surrounding circumstances justify the payment of such a cheque.