---
title: O.C.G.A. § 11-4-212. Presentment by notice of item not payable by, through, or at a bank; liability of drawer or indorser.
collection: code
id: 11-4-212
cite_as: O.C.G.A. § 11-4-212 (2025)
canonical_url: https://georgiacommons.org/code/11-4-212
md_url: https://georgiacommons.org/code/11-4-212.md
text_url: https://georgiacommons.org/code/11-4-212/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t11-(v9)-pdf.pdf?sfvrsn=df925151_0#page=42
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.
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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. § 11-4-212. Presentment by notice of item not payable by, through, or at a bank; liability of drawer or indorser.

(a) Unless otherwise instructed, a collecting bank may present an item not payable by, through, or at a bank by sending to the party to accept or pay a record providing notice that the bank holds the item for acceptance or payment. The notice must be sent in time to be received on or before the day when presentment is due and the bank must meet any requirement of the party to accept or pay under Code Section 11-3-501 by the close of the bank’s next banking day after it knows of the requirement.

(b) If presentment is made by notice and payment, acceptance, or request for compliance with a requirement under Code Section 11-3-501 is not received by the close of business on the day after maturity or, in the case of demand items by the close of business on the third banking day after notice was sent, the presenting bank may treat the item as dishonored and charge any drawer or indorser by sending it notice of the facts.

## History

Code 1933, § 109A-4-210, enacted by Ga. L. 1962, p. 156, § 1; Code 1981, § 11-4-212, as redesignated by Ga. L. 1996, p. 1306, § 9; Ga. L. 2024, p. 817, § 5-22/HB 1240, effective July 1, 2024.

## Editor's Notes

Ga. L. 2024, p. 817, § 1-1/HB 1240, not codified by the General Assembly, provides: “This Act shall be known and may be cited as the ‘Uniform Commercial Code Modernization Act of 2024.’”

Ga. L. 2024, p. 817, § 1-2/HB 1240, not codified by the General Assembly, provides: “Nothing in this Act shall be construed to support, endorse, create, or implement a national digital currency.”

## Amendments

The 2024 amendment, effective July 1, 2024, substituted “record providing” for “written” near the end of the first sentence of subsection (a).