Janet owes $4,000 on her car note. She wins $1000 at Bingo on Friday night and decides to see if she can just pay her car off with that money. She sends a check for $1000 to the bank financing her car note and writes "full and final payment" in the memo section. The bank deposits the check. What are the rights of the bank? O If the bank refunds the $1000 within 90 days, the bank can still collect the full $4,000. The bank has no more rights to collect additional money from Janet, since they cashed the check The bank can continue to negotiate with Janet to try to get more money. The bank is still entitled to the remaining $3000