Regarding the honoring of checks, a bank $\_\_\_\_\_\_\_\_\_\_.$

Question $3$ options:

is not under a duty to honor all checks drawn by its customers in presence of sufficient funds in the customers' accounts

has liability to the holder of the check, regardless of whether the check is certified or notified

is liable to the customer for damages the customer suffers if the bank fails to honor a check because of a mistake on its part

cannot charge the customer's account if it creates an overdraft