Gary writes a check drawn on Hilltop Bank for $$400$ "payable to Ivan" on May $1.$ Gary dies on May $3.$ Ivan presents the check to the bank on May $5.$ Unaware of Gary's death, the bank

must certify the check.

may pay the check.

must consult with Gary's heirs before paying the check.

can do nothing until Ivan claims an interest in the account.