Bob took a check written by Jack to Jack's bank to be certified. The bank stamped "Certified" on it and gave it back to Bob. What consequence?

A) Bob can only demand the money from Jack.
B) Bob can only demand the money from the bank.
C) The bank would have to pay if Jack doesn't.
D) Bob would have to pay if the bank doesn't.

When a bank certifies a check, it verifies that the signer has enough funds in their account to cover the check and sets aside those funds specifically for that check. This means the bank guarantees the check's amount, and the recipient (Bob, in this case) can demand payment from the bank directly, rather than relying on the personal funds of the check writer (Jack).