Which type of check is not honored by the bank upon presentation?

A dishonored check is one that the bank refuses to pay upon presentation. This refusal can occur for various reasons, such as insufficient funds in the account, a closed account, or if the check has been reported lost or stolen. In contrast, certified checks, cashier’s checks, and traveler’s checks are all guaranteed forms of payment.

A certified check is one where the bank guarantees that the funds are available and reserves them for that transaction. A cashier’s check is purchased directly from the bank and is also backed by the bank's funds, providing assurance of payment. Traveler’s checks, while more of a prepaid method, are also guaranteed by the issuing company and can be replaced if lost or stolen. Therefore, among the options given, a dishonored check is the only type that is specifically not honored by the bank when presented, making it the correct choice.