---
title: O.C.G.A. § 11-4A-212. Liability and duty of receiving bank regarding unaccepted payment order.
collection: code
id: 11-4A-212
cite_as: O.C.G.A. § 11-4A-212 (2025)
canonical_url: https://georgiacommons.org/code/11-4A-212
md_url: https://georgiacommons.org/code/11-4A-212.md
text_url: https://georgiacommons.org/code/11-4A-212/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=558
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/11-4A.md
previous: https://georgiacommons.org/code/11-4A-211.md
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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 / FUNDS TRANSFERS / ISSUE AND ACCEPTANCE OF PAYMENT ORDER
---

# O.C.G.A. § 11-4A-212. Liability and duty of receiving bank regarding unaccepted payment order.

If a receiving bank fails to accept a payment order that it is obliged by express agreement to accept, the bank is liable for breach of the agreement to the extent provided in the agreement or in this article, but does not otherwise have any duty to accept a payment order or, before acceptance, to take any action, or refrain from taking action, with respect to the order except as provided in this article or by express agreement. Liability based on acceptance arises only when acceptance occurs as stated in Code Section 11-4A-209, and liability is limited to that provided in this article. A receiving bank is not the agent of the sender or beneficiary of the payment order it accepts, or of any other party to the funds transfer, and the bank owes no duty to any party to the funds transfer except as provided in this article or by express agreement.

## History

Code 1981, § 11-4A-212, enacted by Ga. L. 1992, p. 2685, § 4.