Sometimes a person holding a bill finds that it is necessary to send it for collection to some place where there is no bank. Then he must ask some one else to collect it for him. If he knows the person very well he may simply indorse it to the other person, but there is always a slight danger that the other person would pass it on, which he could legally do, so it is best in such cases to add the words "for collection" to the indorsement. This checks any further passing of the bill, since any one to whom it is offered can easily see that it was the business of the person to whom it was indorsed to collect it for the indorser. Indorsement "for collection" is also used when there is doubt concerning the "goodness" of a check or a draft payable elsewhere at a future date. Many banks refuse to accept drafts indorsed "for collection." Suppose X has indorsed to bank A "for collection." Bank A, to make collection easier, employs bank B to do the actual collecting. Bank B then holds the money it gets for X's benefit, just as bank A would have done. Because of past experience many banks refuse to accept items indorsed "for collection" from any subsequent indorser. If bank A were to receive an item from bank B indorsed by C, a customer of bank B, "for collection," the collecting bank A would have no right to retain the proceeds of the item for any claim it had against bank B. Therefore, some clearing houses refuse to clear items bearing such indorsements.