Brad Wrote a Check to Clara for $1,000 on His

Multiple Choice

Brad wrote a check to Clara for $1,000 on his account at First Bank. He then took it to his bank for certification. The bank wrote "certified" on the face of the check. Brad then gave the check to Clara. When Clara took the check to First Bank, they refused to pay, claiming that there was not enough money in Brad's account to cover the check. Which of the following is correct?

A) First Bank is primarily liable on the check, because it has already accepted it.
B) Clara has no recourse under the circumstances.
C) Brad is secondarily liable on the check, because he is the drawer.
D) First Bank must pay the check, but they may charge Brad a fee to do so.