J. E. B. Steward received a check in the amount of $185.48 in payment of a fee from a client. Stewart presented the check, properly indorsed, to the Citizen's & Southern Bank. The bank refused to cash the check even though there were sufficient funds in the drawer's account. Stewart then sued the bank for actual damages of $185.48 for its failure to cash a valid check drawn against a solvent account in the bank. Does Stewart have a good cause of action against the bank?