Depositor. One who deposits money (or the equivalent of money, as checks, drafts, etc.) in a
bank to be placed to his credit is a depositor.  A bank agrees with a depositor that it will pay out
his money in accordance with his directions and not otherwise. If he orders money to be paid to a
specified person and then revokes the order before the bank has either made the payment or
obligated itself to do so (as, for instance, by certifying the check) it is the duty of the bank to obey
the revocation and refuse to make the payment. If it pays the check notwithstanding the revocation
the payment cannot be charged against the depositor.