§ 3410 Draft Acceptance Terms

• •If someone changes the terms of a check when they agree to pay it, the person holding the check can say no and treat it like it was refused.
• •If the check says where to pay it (like a specific bank), but doesn’t say it *only* has to be paid there, the terms aren’t considered changed.
• •If the person holding the check agrees to the changes, the people who signed the check before (like the person who wrote it) might not have to pay anymore.

You write a check to your friend for $100 to be paid at any bank. Your friend takes it to their bank, and the bank says they’ll pay it but *only* at their bank.

Since the bank added 'only' to the payment place, your friend can say no and treat the check like it was refused. If your friend agrees to the change, you might not have to pay anymore because the terms changed.