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Commercial Law Keyed to Warren
Blake v. Woodford Bank & Trust Co
Facts
This is a review of the judgment of the circuit court dismissing the case of appellee, Wayne Blake (the “appellee”). The circuit court found that appellant, Woodford Bank and Trust (the “appellant”), was excused from not meeting its midnight deadline to return two checks. On December 6, 1973, the appellee, deposited a check into his account at the Morristown Bank, of Morristown, Ohio. The check was drawn on the K & K Farm Account at the appellant bank, Woodford Bank and Trust. On December 19, 1973, appellee deposited a second check to be drawn on the K & K Farm Account. Upon the deposit of the second check, appellee learned that the first check was being returned due to insufficient funds. Due to successful prior dealings with K & K Farm, appellee requested that the first check be re-presented along with the presentment of the second check. The two checks were delivered to the appellant on the morning of Monday, December 24, 1973. The next day, Christmas, was not a banking day, therefore, the next banking day was Wednesday, December 26. Consequently, the bank’s “midnight deadline” was midnight on Wednesday, December 26. The appellant failed to return the checks by its midnight deadline; rather, the appellant returned the checks on Thursday, Dec ember 27. The appellant claims that due to the increased number of checks to be processed due to the Christmas holiday, the break-down of two check processing machines and the absence of a regular bookkeeper they were unable to return the checks on time and should be excused from the deadline obligation. The circuit court found that the bank’s failure to return the two checks by its midnight deadline was excused due to the occurrence of the aforementioned events. On cross-appeal, the appellant argues that it is not liable on the first check. The appellant argues that it met the midnight deadline when the first check was initially presented; therefore, the appellant is not obligated to meet the midnight deadline when the check was re-presented.
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