John is a holder in due course of a check. John goes to the drawee bank, Last Chance Bank, to cash the check. What is the liability of Last Chance?

a. Last Chance Bank is primarily liable on the check.
b. Last Chance Bank is not primarily liable on the check until it accepts the check.
c. Last Chance Bank is secondarily liable on the check.
d. Last Chance Bank is not secondarily liable on the check until it accepts the check.

b