A depositor issued a check and, after mailing the check, suffered a heart attack and...

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Accounting

A depositor issued a check and, after mailing the check, suffered a heart attack and died. In the regular course of business, the bank paid the check when presented for payment despite the fact that the bank had received notice the prior day of the depositor's death.
The bank is liable if the check was a gift to charity
The bank is not liable unless ordered to stop payment by a person claming an interest in the account
The bank is not liable unless the depositor's executor posted an indemnity bond
All authority to act for the depositor ends on the depositor's death whether the bank knows of the death or not
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