To order. A pecuniary instrument so made out calls for payment to the holder to whom it has
been properly indorsed; when goods are shipped to order the consignee is subsequently to be
named.  A check made payable to a person or to a person or order, as to Richard Smith or to
Richard Smith or order, must be indorsed with the name of that person before it is collectable. The
name of the person must be written across the back of the check, which, when the name stands
thus alone, makes the check payable to bearer, or the check must be formally assigned to another
on its back by the one in whose favor it is drawn.