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Section 4-401(a) of the UCC provides that '[a] bank may charge against the account of a customer an item that is properly payable from that account . . . . An item is properly payable if it is authorized by the customer and is in accordance with any agreement between the customer and the bank.' Ordinarily, if a bank charges a customer's account for a check that is not properly payable -- for example, a check that has been forged and therefore has not been authorized by the customer -- the bank will be liable to the customer for the loss under § 4-401(a). ...