2010 Pennsylvania Code
Title 13 - COMMERCIAL CODE
Chapter 44 - Relationship Between Payor Bank and Its Customer
4405 - Death or incapacity of customer.

     § 4405.  Death or incapacity of customer.
        (a)  Authority of bank unaffected in absence of knowledge.--
     The authority of a payor or collecting bank to accept, pay or
     collect an item or to account for proceeds of its collection, if
     otherwise effective, is not rendered ineffective by incapacity
     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 incapacity. Neither death nor incapacity
     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 incapacity and has reasonable opportunity to act
     on it.
        (b)  Limited authority of bank following knowledge.--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.
     (Apr. 16, 1992, P.L.108, No.24, eff. 60 days; July 9, 1992,
     P.L.507, No.97, eff. one year)

        1992 Amendments.  Act 24 amended the heading and subsec. (a)
     and Act 97 amended the entire section. Act 97 overlooked the
     amendment by Act 24, but the amendments do not conflict in
     substance, and both have been given effect in setting forth the
     section heading and the text of subsec. (a).