What are the obligations of the bank if any body present a self cheque. One of my cheque leaf lost and somebody presented it in the bank with a forged signature. The payment wsa to "SELF" and a person submitted it to the bank and withdrawn the money. The cashier was aware that, the man submitted is not the account holder. When checked with the Bank manager, he is telling that they have the authority to do so. Is it correct? Please answer.