Franklin Wrote a Check on the Second National Bank Payable

Multiple Choice

Franklin wrote a check on the Second National Bank payable to Garth. When Garth presented the check for payment, Second National refused to cash it, although the check was in proper form and Franklin had sufficient funds on deposit at the bank. The Second National Bank is liable to

A) Franklin and Garth.
B) Franklin only.
C) Garth only.
D) no one.