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<h1>Banker not liable for defective cheque if acting in good faith without negligence per Section 131. Verify electronic cheques.</h1> A banker who receives payment for a customer of a cheque crossed generally or specially to himself, in good faith and without negligence, is not liable to the true owner if the cheque's title is defective. This holds even if the bank credits the customer's account before receiving payment. Additionally, when dealing with electronic images of truncated cheques, the banker must verify the cheque's genuineness and check for any visible fraud, forgery, or tampering using due diligence and ordinary care.