What is an Improper Payment from Account?

Bank Liability for Unauthorized Payments

Commercial Code Sec. 4401(a) provides in relevant part: "A bank may charge against the account of a customer an, item that is properly payable. ... An item is properly payable if it is authorized by the customer and is in accordance with any agreement between the customer and bank.” The 1990 Official Comments on UCC §4401 provide in part “An item is properly payable from a customer's account if the customer has authorized the payment. . . ."

Section 4401 provides that a bank may charge against a customer’s account an item that is properly payable although the charge creates an overdraft. UCC § 4401(a). It provides for liability against the bank where the bank charges a check against the customer’s account before the date stated in the notice of postdating. UCC § 4401(c).

Bank Liability and Customer's Failure to Report

Under section 4406(1), when a bank sends or makes available a statement of account accompanied by items paid in good faith, then the customer must exercise reasonable care and promptness to examine the statement and the items to discover any unauthorized signature or any alteration of an item and must promptly notify the bank of any such discovery. (Roy Supply, Inc. v. Wells Fargo Bank (1995) 39 Cal.App.4th 1051, 1062–1064, setting forth the application of an earlier version of Section 4406, not substantially different from the instant version.) A customer’s failure to notify the bank temporally limits a bank’s initial absolute liability. (Id.) Therefore, under Commercial Code section 4406, all a bank needs to do to shift the burden to the customer to alert the bank of any fraud and therefore avoid potential liability for payment on forged items is to “send or make available” a statement of account to the customer. (Com. Code, Sec. 4406(a).)

Commercial Code section “4406 is not per se a statute of limitation but instead is an issue-preclusion statute. Unlike a statute of limitations, it does not purport to bar an action against a bank; rather, it simply precludes a customer from asserting a forgery or alteration against the bank if the customer has failed to discover and report the forgery or alteration to the bank. The effect this will have on a customer’s claim against the bank will depend upon whether proof of the forgery is an essential element of the particular claim asserted.” (Roy Supply, Inc. v. Wells Fargo Bank (1995) 39 Cal.App.4th 1051, 1065-1066.)

Statute of Limitations

In Lundgren v. Bank of America, N.A. (2011) 2011 WL 4592801, the Plaintiff asserted separate causes of action for acceptance of forged checks versus checks made out to others which were not endorsed. The Court determined that the first cause of action regarding the bank’s payment of the forged checks was barred by Section 340(c); but the second cause of action, for accepting for deposit checks not made out to the embezzler but rather to various vendors which were unendorsed, was subject to the three-year statute of limitations. (Lundgren, supra, *3-4.) After reviewing the code sections cited by the parties, the court in Lundgren determined that a check deposited without the payee’s endorsement was not the equivalent of a forgery, and thus, not subject to the one-year limitations period. (Id. at *4.) The bank in Lundgren was both the payor and depository bank.

Useful Resources for Improper Payment from Account

Recent Documents on Improper Payment from Account

1-25 of 459 results

Judgment filed.

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Minutes finalized for Motion to Compel - Other - Civil Law and Motion he...

SUPERIO. URI OF CALIFOF COUNT. SACRAMENTO GORDON D SC. =R COURTHOUSL MINUTE ER DATE: 2020 TIME: 02:0U .M DEPT: 5. JUDICIAL CER PRESIDING. 4 Brown CLERK: E.. 2 REPORTERIt BAILIFF/COUR. “ENDANT: R. May. UN. ASE NO: 34-2019- 7976-CU-PO-GDS © INIT.DATE: 10/3 qq SE TITLE: Estate c viel Sather vs. Bry Me Senior Living, & CATEGORY: Civi. limited — on ay EVENT *: Motion to Compe S. her - Civil Law anc on ee APPEARANCE. ‘ure of Proceedin_ stion to Compel A Xx, stion 1. TIVE RULING...

PETITION AND ORDER FOR APPOINTMENT OF GUARDIAN AD LITEM (DIANA KWAN IS A...

Clv-010 ATTORNEY (Name, State Bar number, and address): FOR COURT USE ONLY | Michael R. Bracamontes (SBN 242655) . |~ Bracamontes & Vlasak, P.C. 220 Montgomery Street Suite 870 San Francisco, CA 94104 TevePHoneNO: 415-835-6777 — FAKNO.(Optionay: 415-835-6780 =| E-MAIL ADDRESS (Optional): K I L R BD ATTORNEY FOR (Name: Plaintiff San Francisco Courily Superior Court SUPERIOR COURT OF CALIFORNIA, COUNTY OF San Francisco : streeraporess: 400 McAllister Street FEB 25 2020 maiine ap...

Request Judicial Notice -

MARK S. POSARD (SBN: 208790) [email protected] DANIEL D. O’SHEA (SBN: 238534) [email protected] mn ge GORDON REES SCULLY MANSUKHANI, LLP F ie E. Bien led 3 Park Center Drive,...

Declaration Support -

im am 1 STEPHEN W. ROBERTSON, #228708 a I COELL M. SIMMONS, #292218 SUPERIOR iL. ED | 7 2 HARDY ERICH BROWN & WILSON COUNTY OF PLACER ...

ANSWER TO COMPLAINT (TRANSACTION ID # 200005495) FILED BY DEFENDANT WELL...

MARK I. WRAIGHT (State Bar No. 228303) [email protected] SAMUEL R. MELAMED (State Bar No. 301303) ELECTRONICALLY srm severson.corn SEVERSON 0 WERSON F I L E D ...

ANSWER TO COMPLAINT (TRANSACTION ID # 200005495) FILED BY DEFENDANT WELL...

A WON oo IN aD 10 il 12 13 14 15 17 18 19 20 21 22 23 24 25 26 27 28 MARK I. WRAIGHT (State Bar No. 228303) [email protected] SAMUEL R. MELAMED (State Bar No. 301303) [email protected] SEVERSON & WERSON A Professional Corporation One Embarcadero Center, Suite 2600 San Francisco, California 94111 Telephone: (415) 398-3344 Facsimile: (415) 956-0439 Attorneys for Defendant WELLS FARGO BANK, N.A. (sued herein as “WELLS FARGO BANK”) SUPERIOR COURT OF CALIFORNIA COUNTY OF SAN FRAN...

DECLARATION OF ELIZABETH CANNON IN SUPPORT OF MOTION BY MICHAEL HIRNER F...

Richard W. Lund, SBN 120844 1 PLAGEMAN, LUND & CANNON LLP One Kaiser Plaza, Suite 1440 2 Oakland, CA 94612 Telephone: (510) 899-6100 3 Facsimile: (510) 899-6101 4 Attorneys for Respondent and Successor Trustee 5 Michael F. Hirner ...

DECLARATION OF ELIZABETH CANNON IN SUPPORT OF MOTION BY MICHAEL HIRNER F...

Richard W. Lund, SBN 120844 1 PLAGEMAN, LUND & CANNON LLP One Kaiser Plaza, Suite 1440 2 Oakland, CA 94612 Telephone: (510) 899-6100 3 Facsimile: (510) 899-6101 4 Attorneys for Petitioner and Nominated Executor 5 Michael F. Hirner ...

DECLARATION OF RONALD CHUN; SUBMISSION COPY OF POWER OF ATTORNEY FOR HUG...

oem ND WH FF WN ww oNMW NY NY KY KR KN NY YO Hee se oe Se ee Se eo IAA FF OY = SOD we NI DH F&F YW NH FF SO Ronald Chun, Attorney SBN 138653 Law Office of Ronald Chun PO Box 1014 Los Altos, California 94023-1014 (415) 977-1300 F: (855) 301-9786 Attorney for Douglas H. Macbeth, Petitioner SUPERIOR COURT OF CALIFORNIA. COUNTY OF SAN FRANCISCO Case No. PES 19-303329 DECLARATION OF Estate of RONALD CHUN SUBMISSION COPY OF POWER OF ATTORNEY FOR HUGH E. MACBETH to JANINE R. MAC...

REPLY IN SUPPORT OF DEMURRER-PARTIAL MOTION FOR JUDGMENT ON THE PLEADING...

CON DHA FB WN = NNN NY YN NN NY Be Bee ee ewe Be ew eIN A A FF GoBNH FF FS CH ARAA A REESNH FS EDWARD F. DONOHUE (SBN 112730) [email protected] HINSHAW & CULBERTSON LLP One California Street, 18th Floor San Francisco, CA 94111 Telephone: 415-362-6000 Facsimile: 415-834-9070 Attorneys for Defendant MISSION NATIONAL BANK SUPERIOR COURT OF THE STATE OF CALIFORNIA FOR THE COUNTY OF SAN FRANCISCO UNLIMITED JURISDICTION JAYANTILAL PATEL, KAILASH PATEL, Plaintiffs, vs. MISSION...

DECLARATION OF PRITI PARIKH IN SUPPORT OF OPPOSITION TO AMENDED PETITION...

10 u 12 16 17 18 19 20 21 25 26 27 John A. Kithas (State Bar No. 64284) Christopher Land (State Bar No. 238261) LAW OFFICES OF JOHN A. KITHAS One Embarcadero Center, Suite 1020 San Francisco, CA 94111 Telephone: 415-788-8100 Facsimile: 415-788-8001 Attorneys for Judith Brisby SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN FRANCISCO ESTATE OF LORNE HERBERT MORRISON I, Priti Parikh, declare: Case No. PES-19-303184 DECLARATION OF PRITI PARIKH IN SUP...

DECLARATION OF JUDITH BRISBY IN SUPPORT OF OPPOSITION TO GAVIN MORRISON ...

10 1 12 20 21 22 23 24 25 26 27 28 John A. Kithas (State Bar No. 64284) Christopher Land (State Bar No. 238261) LAW OFFICES OF JOHN A. KITHAS One Embarcadero Center, Suite 1020 San Francisco, CA 94111 Telephone: 415-788-8100 Facsimile: 415-788-8001 Attorneys for Judith Brisby SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN FRANCISCO ESTATE OF LORNE HERBERT MORRISON Case No. PES-19-303184 DECLARATION OF JUDITH BRISBY IN SUPPORT OF OPPOSITION TO GAVIN ...

REQUEST FOR JUDICIAL NOTICE IN SUPPORT OF DEFENDANTS MOTION TO SEVER PLA...

1 Daniel W. Maguire (SBN 120002) E-mail: [email protected] 2 Michael B. Bernacchi (SBN 163657) E-mail: [email protected] ELECTRONICALLY 3 BURKE, WILLIAMS & SORENSEN, LLP 444 South Flower Street, Suite 2400 ...

PETITION FOR LETTERS OF ADMINISTRATION FILED BY PETITIONER DANIELS, JANE...

DE-111 ATTORNEY OR PARTY WITHOUT ATTORNEY: STATE BAR NO: 159652 FOR COURT USE ONLY INaMe: KELECHI CHARLES EMEZIEM FIRM NAME: EMEZIEM & OTHERS STREET ADDRESS: 303 HEGENBERGER ROAD, SUITE 311 city: OAKLAND, state: CA iP. cope: 94621 TELEPHONE NO.: (510) 6280400 FAX NO: (510) 6280500 E-MAIL ADDRESS: [email protected] |ATTORNEY FOR (name): Mart Baysanger through POA Janeth Daniels San Francisco County Superior Court |SUPERIOR COURT OF CALIFORNIA, COUNTY OF SAN FRANCISCO Span F...

Application For California Air Resource Board Judgment filed.

an WwW Ww 21 22 23 24 25 2, 28 DIANE KIYO1, ior Attomey,SBNi 90 California Air Rese Board F > 7.0. Box 2815 Sup + Court Of Califo er —, 9-2815 Sache *o hone: ) -25. + »y for Plaintiff Oo 2Ie iromo2 By: _, Depully Case Number: : 74-2019-00. 160) a UPERIOR COUR? "HE STATE OF CA, oNIA eS COUNTY. > CRAMENTO L. g é SORNIA AIR RESU® "ES BOARD, ——- | Plaintiff . 4} PURSUAN. — "SEALTHAND SA s 1 t TABASCO._“STICS INC,, “%e. ) CODESECT: ‘011.6 dant e, 1. Plaintiff ay ‘o the Superior Cow scr...

Declaration of Gabrielle De Santis Nield in Support of specially Appeari...

TELEPHONE (760) 942-9880 NIELD LAW Group APC 679 EncIstTas BOULEVARD, SUITE201 ENCINITAS, CA. 92024 Cm DAH Bw NY 10 il 12 13 14 15 16 17 18, 19 20 21) 22) 23 24 25 26 |. 27 28 FILED BY FAX Fiteo a EDGAR R. NIELD, State Bar # 135018 ‘ = oiling Fee Required GABRIELLE DE SANTIS NIBLD, State Bar #1 sos3olil9 SEP 12 PH BRERA NIELD LAW GROUP, APC 679 Encinitas Boulevard, Suite 201 ROSA JUNQUEDR Q. CLERK Encinitas, California 92024 Y Telephone: (760) 942-9880 BY aEPUTT Facsimile: (760) 9...

Judgment filed.

DP 1526 9g ™ 10 11 12 15 17 18 2 23 24 25 27 28 DIANE KIYOT«é ‘or Attorney, SBN 1- California Air Reso Board O. Box 2815 ) ramento, ane »-2815 ' hone: (916) 322-28 A. or for Para FILED), “9RSED SEP -4 2 | ®. Bank Deputy Clerk Fy 2 “3 »ERIOR COURT O: “STATE OF CALIt 7A <s COUNTY OF ?AMENTO Case Ser: Se 4 * CA) NIA AIR RESOUK OARD, } 1. ov 742, Plaintiff } NX JUDGMENT . UANT TO HEAL]. — — ene ») AND SAFETY . SECTION 4401 1.c @ “IMITED CIVILC. MOUNT ‘ Der =SMANDED DOES. =XCEED $10,0...

Proposed Judgment filed.

DY ° 1526 28 WN 7 a wh Ss 10 11 12 15 16 17 18 19 21 22 23 24 25 27 28 DIANE KIYOTA Califomia Air Reso O. Box 2815 -amento, California hone: (916) 322-285 : for Plaintiff ‘or Attorney, SBN 1. Soard »-2815 Ay 2a 4% ERIOR COURT 01 <4 COUNTY OF & CA. ?NIAAIRRESOUK —-0ARD, ; Plaintiff } on ) EXECUTIVE L sccueonan Dei if Th. IFORNIA AIR REL in the a * of a civil penalty a. application “fied final order imp. ($800.00) pursu. section 4401 1.6 of v. Regulations, Title 1- TR...

DECLARATION OF SHEILAH PASCHALL RE NOTICE TO LAMAR PASCHALL (TRANSACTION...

oO YN DH BF wBWN OS es Se eS - S 0 Me I A WER WH S&S SO 22 23 24 25 26 27 28 Peter Shelton, SBN 187533 Peter Shelton Law 2041 Bancroft Way, Suite 206 Berkeley, CA 94704 510.394.5483 510.260.2617 fax [email protected] Attorney for Petitioner James Garrison Gilyard IN THE SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SAN FRANCISCO Estate of: No. PES-18-301814 JIMMIE LEE GILYARD. z Declaration by Sheila Paschall re Notice to Lamar Paschall Decease...

Application For California Air Resource Board Judgment filed.

aA vn bk & 15 16 17 18 9 21 22 23 24 25 27 28 DIANE KIYOTA California Air Reso. QO. Box 2815 -amento, California - ‘one: (916) 322-28 Av : for Plaintiff Bey ERIOR COURT « 9 Le * \-TORNIA AIR RESO Plaintiff v. PHILLY Ex. L ‘ant 1. Plaintiff ap, a nt in the amount of mote 4401 1.6 et seq. 2 A civil penalty in th. Snal order under sub. + set forth. Pursuant b 9118003VA is deen. *REFORE plaintiff 1 section 4401 1.6, suc uant to Governmen: and Safety for costs of su. DATED: B...

Application For California Air Resource Board Judgment filed.

10 11 12 a3 15 16 17 18 21 22 23 24 25 2, 28 DIANE KIYOT, ‘or Attomey, SBN 1 ] California Air Rese Board b % : »O. Box 2815 Su, Court Of Califor. ramento, are 9-2815 Sacre ‘o hone: (916) 322-28. Ay for Plaintiff OBI Ale mwilliams, By _, Deput} Cage Numbur: 24-2019-002 ‘51 AJUPERIOR COUR] = HESTATEOFCAL —-*NIA e. COUNTY >» CRAMENTO & de sumber: ‘ TORNIA AIR RESC "S BOARD, ) Plaintiff } v. } APPLICA. FOR JUDGMENT BLUE PINE VEL-LLC, e. CODE SECT elie. arene dant e 1. Plaintiff ...

Proposed Judgment filed.

3 4 5 6 7 DIANE KIYO1. ior Attorney, SBN 1 4 California Air Res. Board °.0. Box 2815 sramento, California 9-2815 shone: (916) 322-28. + »y for Plaintiff 7% PERIOR COURT G = STATE OF CALL WA % COUNTY O1 RAMENTO 4 Ca RNIAAIRRESOU. Board, } S™ P44 OV F161 ) Plaintiff ) } JUDGMEN1 SUANT TO HEAL: 3. be AND SAFETY © SECTION 44011. BLUE PINE 1. LLLC, eS 4 LIMITED CIVIL C AMOUNT De *t YEMANDED DOES EXCEED $10,000 TE UIFORNIA AIR RE > CES BOARD (CA. aye applied to the for judgment i in t...

Judgment filed.

DIANE KIYOTA, or Attomey, SBN 1: q California Air Reso. Board 9), Box 2815 FILED), “ORSED 3 -amento, ee ; 2815 one: (916) 322-285- Av : for Plaintiff AUG 12, 4 a ; a 6 B a Gaur COURT Or STATEOF CALIF “4 %,. COUNTYOF. = AMENTO 9 a Case er: 10}|CAL NIA AIR RESOUK ROARD, uN Plaintiff » BU. 4. ObLle7 He 12 “% } JUDGMENT. ="JANT TO HEALT, %») ANDSAFETY. ~ SECTION 44011.c 3|| SUPERIOR TRu ORTATION LLC, Dete SBMANDED DOES, XCEED $10,000 pane : 16]| The IFORNIA AIR RES CES BOARD (CAk. an appli...

Judgment filed.

21 22 23 24 25 BECr AUG - 1391 Newt DIANE KIYOT+. ‘or Attorney, SBN 1. > California Air Rese. Board 0. Box 2815 ramento, California »-2815 hone: (916) 322-28. A. » for Plaintiff A ERIOR COURT O. y& % COUNTY OF 4 °NIA AIR RESOUK | on Plaintiff a | ».) CA. SOARD, KOOL RIDE 1. Dei. "ING LLC, Th “IFORNIA AIR REL * of a civil penalty a. ‘fied final order imp. section 44011.6 of in thei application ($800.00) pursu Regulations, Title 1. TREFORE IT IS OK + California Air Res. ton...

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