DEEN, Judge.
Checks are payable on demand (Code Ann. § 109A-3-104 (2) (b) within a reasonable time after issuance and, when not certified, 30 days is to be considered a reasonable time in which to present for payment (Code Ann § 109A-3-503 (2) (a)). "Bank checks... are not payment until themselves paid." Code § 20-1004. "`An agreement by a creditor to receive less than the amount of his debt can not be pleaded as an accord and satisfaction...
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