A memo informing the payee’s banker and the payee approximately the dishonour of a cheque which have been provided for disposal at bank. When the cheque is dishonoured, the drawee financial institution without delay troubles a cheque return memo to the payee’s banker citing the valid purpose for non-fee. If the purpose for non-fee of the cheque is inadequate funds, the payee can trouble a word below Section 138 to the drawer.