Non-liability of banker for payment of crossed cheque received in good faith, subject to due diligence on truncated cheque images. A banker who in good faith and without negligence receives payment for a customer of a cheque crossed generally or specially to himself shall not incur liability to the true owner if the title proves defective; crediting the customer's account before receiving payment is still within this protection. Where payment is based on an electronic image of a truncated cheque, the banker must verify prima facie genuineness and check for apparent fraud, forgery or tampering with due diligence and ordinary care.