Kelco bought a truck from Felton, paying for it with a cashier's check she had obtained from her bank. On her way home, the truck broke down. Kelco immediately telephoned her bank and told it to stop payment on the cashier's check.

Later, Kelco discovered that her bank had not stopped payment on the cashier's check and instead had paid it. Did Kelco have a claim against the bank? Explain.

See also Taboada v. Bank of Babylon, 408 N.Y.S.2d 734 (NY).