1. Nora Abbey, eighteen years old, is overjoyed to have received her first paycheck from her first employer, Nightingale Fashions, Inc. The check is in the amount of $542.00, and is drawn on the Bank of the Homeland. Eager to document here entitlement to the paycheck, Abbey turns the check over, and signs her name in the endorsement section. She gets into her car, and heads to the Bank of the Homeland, where she has a checking account, to make a deposit.

Unbeknownst to Nora, the check has slipped out of her pocketbook, and onto Main Street. A cross-wind blows the check onto a street corner. An unidentified woman picks up the check, and later that day, at another Bank of the Homeland branch, she cashes the check. Four weeks later, Nora notices that the check has been processed, and she immediately calls the vice-president of the Bank of the Homeland branch she frequents, requesting that the $542 be credited to her account. The bank vice-president assures Nora that she will look into it, but offers no assurances.

Must the bank credit Noras account?