Georgia § 11-4-405 - Death or incompetence of customer.
Full text of Georgia Official Code of Georgia Annotated § 11-4-405 — Death or incompetence of customer., with citation guidance and answers to common questions.
§ 11-4-405. Death or incompetence of customer.
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. 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. (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 .
Source: official Georgia text · Last verified 2026-08-27
Frequently Asked Questions About Georgia § 11-4-405
What does Official Code of Georgia Annotated § 11-4-405 cover?
Section 11-4-405 ("Death or incompetence of customer.") is part of the Official Code of Georgia Annotated, the codified statutory law of Georgia. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Georgia § 11-4-405?
A common citation format is "Official Code of Georgia Annotated § 11-4-405" (Georgia). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Georgia law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Georgia official source linked on this page or consult a licensed Georgia attorney.
How does Georgia § 11-4-405 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Georgia can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Georgia.