L. Fr. chance. Kelham. An accident; CHECER, Cheser. L. Fr. To fall. Checer in debat; to come in question or debate. Kelham. See Cheir. CHECK, Cheque. A written order or request addressed to a bank, or to persons carrying on the business of bankers, by a party having money in their hands, requesting them to pay, on presentment, to a person therein named, or to him or bearer, or order, a named sum of money.* Chitty on Bills, 511, (Perkin's ed. 1854). Story on Prom. Notes, § 487. A check nearly resembles a bill of exchange, yet it differs from it in several particulars, the principal of which are the following: (1) a check is drawn upon an existing fund, and is an absolute transfer or appropriation to the holder, of so much money in the hands of the drawee; (2) it requires no acceptance, and when presented the presentment is for payment; (3) it is always payable on presentation and demand, and is not entitled to days of grace; and (4) the drawer is always the principal. See 3 Kent's Com. 75, 104, note. Story on Prom. Notes, § 489. Story, J. 2 Story's R. 512. 21 Wendell's R. 372. 2 Hill's (N. Y.) R. 425. And see 5 Ohio St. R. 13, 17, where the distinctions are laid down in detail. As to the necessity of diligence in presenting a check for payment, see Id. ibid. 2 Hill's R. 425. A draft for money in the usual form of a check, but payable on a future specified day, is a bill of exchange, and entitled to days of grace. 5 Ohio St. R. 13. See 2 Selden's R. 412.