---
title: O.C.G.A. § 11-4-205. Depositary bank holder of unindorsed item.
collection: code
id: 11-4-205
cite_as: O.C.G.A. § 11-4-205 (2025)
canonical_url: https://georgiacommons.org/code/11-4-205
md_url: https://georgiacommons.org/code/11-4-205.md
text_url: https://georgiacommons.org/code/11-4-205/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t11-(v9)-2022-pdf.pdf?sfvrsn=b5451bbd_0#page=498
date: 2025
status: active
corpus_version: 2025-supplement-89aa39ab3c68
license: CC0-1.0
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
up: https://georgiacommons.org/code/11-4.md
previous: https://georgiacommons.org/code/11-4-204.md
next: https://georgiacommons.org/code/11-4-206.md
index: https://georgiacommons.org/code/index.md
version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: "COMMERCIAL CODE / BANK DEPOSITS AND COLLECTIONS / COLLECTION OF ITEMS: DEPOSITARY AND COLLECTING BANKS"
---

# O.C.G.A. § 11-4-205. Depositary bank holder of unindorsed item.

If a customer delivers an item to a depositary bank for collection:

(1) The depositary bank becomes a holder of the item at the time it receives the item for collection if the customer at the time of delivery was a holder of the item, whether or not the customer indorses the item, and, if the bank satisfies the other requirements of Code Section 11-3-302, it is a holder in due course; and

(2) The depositary bank warrants to collecting banks, the payor bank or other payor, and the drawer that the amount of the item was paid to the customer or deposited to the customer’s account.

## History

Code 1933, § 109A-4-205, enacted by Ga. L. 1962, p. 156, § 1; Ga. L. 1996, p. 1306, § 6.

## Law Reviews

For article discussing judicial activism in cases involving claims and defenses under the Uniform Commercial Code, see 17 Ga. L. Rev. 569 (1983).