Apt to be passed over at the bank? (7)

I believe the answer is:

payable

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'passed over at the bank?' is the definition.
I can't judge whether this defines the answer.

'apt to be' is the wordplay.
'apt' becomes 'able' (I've seen this in another clue).
'to' says to put letters next to each other (I've seen this in other clues).
'be' becomes 'pay' (paying is a kind of being).
'able' put after 'pay' is 'PAYABLE'.

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