City Check Cashing, Inc., Plaintiff-Respondent v. Manufacturers Hanover Trust Company; Chemical Bank; Chemical…

Summary

The Supreme Court of New Jersey held that a drawee bank does not owe a common‑law duty of care to a non‑customer who makes an unsolicited inquiry about a check, and therefore affirmed the trial court’s summary judgment in favor of the bank. The Court reasoned that, absent an agreement, undertaking, or special relationship, the Uniform Commercial Code’s statutory scheme governs the bank’s obligations.