Delight Bvunzawabaya went to Chase Bank with his friend, who had an account at Chase Bank, to cash a check from his employer. Bvunzawabaya did not have identification due to his immigration status and was unable to create a bank account. To cash the check, both Bvunzawabaya and his friend signed their names in front of the teller and gave the check to a teller with a deposit slip that instructed to clear the funds into the friend’s account. 

Chase rejected the deposit and closed the friend’s account. Bvunzawabaya sued Chase Bank for the returns or the proceeds for the check, asserting that because he was the payee on the check, he was entitled to the returns. However the court ruled against him. Why did the court rule against Bvunzawabaya? Can Chase’s rejection of the deposit be considered a wrongful dishonor of the check?