232 SCRA 559 (1994)


Private respondent Emme Herrero filed a complaint for damages against petitioner Citytrust Banking Corporation. In her complaint, private respondent averred that she, a businesswoman, made regular deposits, starting September of 1979, with petitioner Citytrust Banking Corporation at its Burgos branch in Calamba, Laguna.

On 15 May 1980, she deposited with petitioner the amount of Thirty One Thousand Five Hundred Pesos (P31,500.00), in cash, in order to amply cover six (6) postdated checks she issued.

When presented for encashment upon maturity, all the checks were dishonored due to “insufficient funds.” The last check No. 007400, however, was personally redeemed by private respondent in cash before it could be redeposited.

Petitioner, in its answer, asserted that it was due to private respondent’s fault that her checks were dishonored. It averred that instead of stating her correct account number, i.e., 29000823, in her deposit slip, she inaccurately wrote 2900823.


Whether or not Citytrust banking Corp. has the duty to honor checks issued by Emme Herrero despite the failure to accurately stating the account number resulting to insufficiency of funds for the check.


YES. We are not persuaded that defendant bank was not free from blame for the fiasco.

In the first place, the teller should not have accepted plaintiff’s deposit without correcting the account number on the deposit slip which, obviously, was erroneous because, as pointed out by defendant, it contained only seven (7) digits instead of eight (8).

Second, the complete name of plaintiff depositor appears in bold letters on the deposit slip (Exh. “B”). There could be no mistaking in her name, and that the deposit was made in her name, “Emma E. Herrero.” In fact, defendant’s teller should not have fed her deposit slip to the computer knowing that her account number written thereon was wrong as it contained only seven (7) digits.

As it happened, according to defendant, plaintiff’s deposit had to be consigned to the suspense accounts pending verification. This, indeed, could have been avoided at the first instance had the teller of defendant bank performed her duties efficiently and well. For then she could have readily detected that the account number in the name of “Emma E. Herrero” was erroneous and would be rejected by the computer. That is, or should be, part of the training and standard operating procedure of the bank’s employees.

On the other hand, the depositors are not concerned with banking procedure. That is the responsibility of the bank and its employees. Depositors are only concerned with the facility of depositing their money, earning interest thereon, if any, and withdrawing therefrom, particularly businessmen, like plaintiff, who are supposed to be always “on-the-go”.

Plaintiff’s account is a “current account” which should immediately be posted. After all, it does not earn interest. At least, the forbearance should be commensurated with prompt, efficient and satisfactory service.

Bank clients are supposed to rely on the services extended by the bank, including the assurance that their deposits will be duly credited them as soon as they are made. For, any delay in crediting their account can be embarrassing to them as in the case of plaintiff.

*Case digest by Catherine C. Velasco, LLB-IV, Andres Bonifacio Law School, SY 2019-2020