---
title: O.C.G.A. § 11-4-405. Death or incompetence of customer.
collection: code
id: 11-4-405
cite_as: O.C.G.A. § 11-4-405 (2025)
canonical_url: https://georgiacommons.org/code/11-4-405
md_url: https://georgiacommons.org/code/11-4-405.md
text_url: https://georgiacommons.org/code/11-4-405/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=528
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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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 / RELATIONSHIP BETWEEN PAYOR BANK AND ITS CUSTOMER
---

# O.C.G.A. § 11-4-405. Death or incompetence of customer.

(a) A payor or collecting bank’s authority to accept, pay, or collect an item or to account for proceeds of its collection, if otherwise effective, is not rendered ineffective by incompetence of a customer of either bank existing at the time the item is issued or its collection is undertaken if the bank does not know of an adjudication of incompetence. Neither death nor incompetence of a customer revokes the authority to accept, pay, collect, or account until the bank knows of the fact of death or of an adjudication of incompetence and has reasonable opportunity to act on it.

(b) Even with knowledge, a bank may for ten days after the date of death pay or certify checks drawn on or before that date unless ordered to stop payment by a person claiming an interest in the account.

## History

Code 1933, § 109A-4-405, enacted by Ga. L. 1962, p. 156, § 1; Ga. L. 1996, p. 1306, § 13.

## Cross References

Disposition by bank of deposit of deceased depositor, § 7-1-239.