A Principal-Agency Relationship Is Created Between a Customer and a Bank

A principal-agency relationship is created between a customer and a bank:

A) only if the customer deposits a check that the bank must collect for the customer.
B) any time the customer deposits an amount into the customer's checking account.
C) only when the customer writes a check against her account.
D) if the customer deposits a check that the bank must collect for the customer, or if the customer writes a check against his or her account.
E) if the customer has an overdraft and the bank needs to collect.