Weiand's Admr. v. State National Bank

Opinion op the cottbt by

JUDGE GUFFY —

Reversing.

This action was instituted -in the Mason circuit court by the appellant on the 30th of August, 1900. It appears, that E. H. Roden, as the administrator of Anthony Weiand,, sought in this suit to obtain judgment against the appellee for' the sum of $199, besides $500 damages, on account, of appellee’s failure to honor appellant’s cheek. It is substantially alleged in the petition that Anthony Weiand departed this life August 10, 1900, and that prior to his death he did business under the firm name and style of A. Weiand & Co., and had on deposit with appellee at the time of his death,-and which was so entered on the books of defendant bank to the sole credit of decedent, the sum of $199; that on or about August 15,1900, said decedent issued and dated in advance, and- sent to the John Hauck Brewing Company, a corporation in Cincinnati, Ohio, a •certain instrument of writing in the following language: “Maysville, Ky., August 20, 1900. The State National Bank: Pay to the order of the John Hauck Brewing Company the sum of three hundred and sixty dollars. [Signed] A. Weiand & Co., by Lillie B. Weiand, Agt. $300.00.” It is alleged that said writing was a bill of exchange drawn ■on defendant, but was not presented to defendant for payment until after the death of decedent, and when same was, -on August 21, 1900, presented, be notified the defendant ■of the death of his intestate, and) directed it to return the said instrument of writing to the payee unpaid; that defendant promised to do so, and thereupon caused said writing to be protested for nonpayment and returned same unpaid; that, relying upon the fact of said protest and return of said writing and the notice to defendant, he, on August 29, 1900, gave to R. K. Hoeflich, cashier of the Bank of Maysville, a check for said deposit in the following language: “Maysville, Ky., August 29, 1900. The State National Bank: Pay to the order of R. K. Hoeflich, cashier, -one hundred and ninety-nine dollars. [Signed] A. Weiand & Co., by E. H. Roden, Administrator of A. Weiand & Co.” It is further alleged that said check to Hoeflich was honored by the Bank of Maysville, and by it duly presented to defendant during its banking hours for payment,, but defendant refused, and still refuses, to pay same; that by reason of defendant’s failure to pay said check, he was compelled to, and did, account to said Hoeflich therefor, and suffered impairment of his credit as personal representative, and the management of said estate to be brought in question, and also being hampered and embarrassed in the settlement of his said intestate’s affairs, and prevented from making an adjustment and compromise with the creditors of his intestate, to the damage of said estate in the sum of $500. Judgment was prayed for for the $199 and for the $500. In an amended petition filed, it is-alleged that plaintiff’s check to said Hoeflich, cashier, was for the use and benefit of the Bank of Maysville, with whom as such, he has been compelled to account, and has accounted, for the defendant’s nonpayment of said check, and it was indorsed by said Bank of Maysville before . presentation thereof ■ to defendant,, during its banking hours for payment; that defendant refuses payment of said check, claiming that it does, not owe plaintiff the amount of said deposit for which said check was drawn, and has, since plaintiff’s said notice and its protest, paid said deposit to the John Hauck Brewing Company. The defendant filed a demurrer to the petition as amended, which demurrer was sustained by the court; and, plaintiff declining to plead further, the petition was dismissed, and from that judgment appellant prosecutes this appeal.

The contention of appellee is, in effect, that the giving of the check of decedent was an appropriation of the $199' ■for the benefit of the payee; and that notwithstanding the fact that appellee protested the check and had notice of the -death of the drawer, and also that appellant revoked, or assumed to revoke, the check, and forbade its payment thereof, and Lester v. Given, 8 Bush, 357, Deatheridge v. Crumbaugh, 8 Ky. Law Rep., 592, and Rosenbaum v. Lytle, 8 Ky., Law. Rep., 607, are cited by appellee in support of its contention. It may be taken as true that the paper in question in this action is what is termed a “check” in the case above referred to, and we will therefore consider it as a check, and not a bill of exchange. It appears that R. L. Cobb & Sons gave a check to James Lester & Co. for $220, addressed to Given, Jones & Co.; and it further appears that Cobb & Sons had that amount •of money belonging to them in the hands of the said Given, Jones & Co., who refused to pay same. Lester & Co. instituted suit against the defendant bank. Given, Jones & Co.; and the court sustained the demurrer of the defendant to the petition, from which judgment Lester & Co. appealed. The question presented to and decided by the court was whether the payee of the check could maintain an action against the drawee, the latter not having accepted the check. In discussing the question, the court •said: “The paper under consideration is emphatically a •check, differing from an ordinary bill of exchange in the following particulars: First, it is drawn on bankers, as is alleged, and is payable immediately on presentment, without any days of grace; second, it is payable immediately ion presentment, and no acceptance, as distinct from payment, is required; and, third, by its terms it is supposed to be drawn upon a previous deposit of funds, and is an ■absolute appropriation of so much money in the hands of the bankers to the holder of the check, to remain there ■until called for, and can not, after notice, be withdrawn by the drawer. These are the distinguishing characteristics between a check and an ordinary bill of exchange, as pointed out in Story, Prom. Notes, section 489; and some of the legal consequences of this difference are that the holder of a check, though taken some days after its date, takes it free from all equities, because it is never treated as overdue, being payable on presentment or demand, whereas it is a well-known rule of law that a bill of exchange or promissory note, taken after the day of payment, or when it is overdue, as the common phrase is, subjects the holder to all the equities attaching to it in the hands of the party from whom he receives it. In the next place, the drawer of a bill of exchange is liable for payment thereof only on condition that it has been duly presented for payment at its maturity and dishonored, and he has received due notice of its dishonor; and in either case it makes no difference whether he has suffered any loss or injury thereby or not. In case of a check, the drawer is treated as in some sort the principal debtor,, and he is not discharged by any laches of the holder in not making due presentment thereof, or in not giving him notice of the dishonor, unless he suffered some,loss or injury thereby, and then only pro tanto. Id. sections 491, 492. As, therefore, no acceptance of a check is required, from the nature of the paper', it must follow that, if the holder can have a right of action against the .payors or drawers, it can not depend upon the acceptance thereof. In Buckner v. Sayre, 18 B. Mon., 745, this court held, upon a number of authorities cited, that the doctrine was well settled that an order drawn by a debtor on a person having funds in his hands is, after the presentment to the drawee,, an assignment of such funds, to the extent of the order, and the drawee can not legally part with such funds tq the drawer or anj; other person, and consequently must pay the same to the holder of the order. And in 2 Pars. Notes & B. p. 61, — an authority to which we are referred by counsel for appellee, — It is said: “While, therefore, we admit that a bank may be liable, in a proper action, to a holder of a check for a wanton or fraudulent refusal to pay a check, whereby the holder dost the funds, yet only in such cases could any action 'be maintained against the bank for the refusal.’ Then, taking the allegations ■of the petition as true, which is done for the purposes of the demurrer, the refusal of the bankers, of whom appellee was one, to pay the check, was wanton, at least, because he had the funds, and made no objections to the1 check; and as the drawers, after demand, could not collect the funds, it would seem irresistibly to result that appellants must have the right to maintain the action, otherwise the drawees wmuld not be responsible to any one for the funds in their hands. We therefore conclude that the petition set forth a good cause of action. Wherefore the judgment is reversed, and the cause is remanded, with directions to overrule the demurrer, and for further proceedings consistent herewith.”

The case of Deatheridge v. Crumbaugh was decided by the superior court. It appears in this case that George W. Lewis was indebted to appellee, Mrs. Crumbaugh, in the sum of $1,000; and on the 25th of January, 1885, he executed and delivered to her a check for $550 on the First National Bank at Georgetown, which check she did not present to the bank for payment until February 4th. In the meantime, to wit, January 27th, the appellant caused attachments to be issued and served upon the bank, thereby attaching the sum in the hands of said bank due by the bank to George W. Lewis, deposited therein. The amount to the credit of Lewis both on the. 25th'and 27th of January was $586.60. We now quote as follows from the opinion: “Upon these facts the court adjudged that Mrs. Crumbaugh’s claim or equity to the funds in the bank, to the amount of her check, was superior to that of the attaching creditors, and the only question involved in this appeal is the correctness of this proposition as a matter of law.” The court, after entering into an extended discussion, affirmed the judgment of the court below. To the same effect is the case of Rosenbaum v. Lytle, 8 Ky. Law Rep., 607. The case of Pease v. Landauer, 68 Wis., 20, 22 N. W., 847; 53 Am. Rep., 247, is cited by appellee. The court in that case entered into a very lengthy discussion ■as to the liability of drawers, payees, and drawees of checks. It is stated in that opinion that the question ais to whether the drawer of a check may lawfully, as between himself and the bank, direct the bank to refuse payment of a check drawn upon his account, or in other words, stop the payment of his check before presentation, so that the bank, though willing, would have no authority of law to pay same on presentation, was not involved in the question for decision. It is also conceded in the opinion that the decided weight of authority is that no action at law. can be maintained by the check holder against the bank for refusal to pay same on presentation, and that the drawer may, before presentation, stop payment on it, so that the bank would have no legal authority to pay the same. The facts involved in the case are thus stated by the court: “Briefly, we have this state of facts: The firm of E. D. Davis & Co. gives Joseph M. Pease a check upon their bank in Milwaukee for the sum of $574.23 in settlement of an indebtedness due from them to Pease. At the time the check was given, and when presented for payment, there was sufficient standing to the credit of the firm in the bank upon which it was drawn to pay the same. The amount of the check is charged against Pease in their account with him and credited to the bank on their account with', the bank. Before the check is presented for payment at the bank, an action is commenced by one partner against the other to dissolve the1 partnership and close up its business. In that action a receiver is appointed, and the bank has notice of such appointment before the check is presented; and thereupon the bank declines to pay the check until the right of the receiver and the check holder is determined by the court, and it retains in its possession the money due the firm, without objection by the firm or receiver, until such determination can be had. No demand for the money is made upon the bank by the firm or the receiver, and, so far as appears from the evidence, the credit to the bank for the amount of the check remains, as well as the charge of the same amount to Pease,-on the books of the firm. So far at least as DaVis is concerned, he appears willing that the money should be paid to Pease or to iris assignee, if he have one, if the note Pease agreed to surrender to him when the check was given be surrendered find canceled. This was done at the hearing of the order to show cause, so that the only objection Davis had to the payment of the money to Pease or his assigns was removed at the hearing. I do not understand that the commence1ment of the action to dissolve the partnership, and the appointment of a receiver in that action, was in itself a revocation of the order upon the bank to pay the money to the holder of the check, and that if the bank had paid the check after a simple notice that a receiver had been appointed, without any direction on his part to 'the bank not to pay the check, the bank would have paid it in its own wrong, and have been liable for the amount so paid, either to the receiver or the firm. The receiver in such an action takes possession of the property of the firm for the benefit of the members of which it is composed, and not primarily fór the benefit of the creditors of the firm. Notwithstanding the absence of any direct evidence in the record upon the question, we think it may be fairly inferred that upon the hearing of the order to show cause the receiver made claim to the whole credit due from the bank to the firm, 'and resisted the payment of the check to the holder; but it does not disclose that any such claim was made by the firm, or either of the members thereof. However that may be, we shall treat the question as though the receiver had the right, even as against the wishes of the members of the firm, to demand the payment of the amount due from the bank to him, and that such demand on his part must have the same effect in law as though made by the firm or the members threeof.” The court finally adjudged in favor of the holder of, the check. In the concluding part of the opinion it is said: ‘‘We are aware that there are decisions •of courts of high authority which are in conflict with the rule above stated; but I think, as is well stated by the learned judge who decided the case of Savings Inst. v. Adae (C. C.) 1 McCrary, 501, 8 Fed., 106, that ‘there is certainly no good ground for holding that 'a check drawn upon a fund in bank is not an equitable assignment as between the drawer and payee, and, in a case where there is no •controversy as to the rights of the bank or drawee, it does not lie in the mouth of the draw'er or his assignee to say that such an instrument is not an equitable assignment.’ ”

It will be seen from the foregoing that the decisions relied on by appellee are not conclusive of the question involved in the case at bar.

It is contended for appellant that the death of the drawer revoked the check, and that the title and claim to the $199 vested in the appellant, the administratqr. It is further contended that appellant, by actual notice to the appellee, revoked the check, and that the appellee was under no obligation to pay the check, and in fact protested it, and that it could not afterwards pay the $199, and thereby defeat appellant’s right to collect the same. Dana v. Bank. 13 Allen, 445, 90 Am. Dec. 216, is cited by appellant. The main portion of the opinion in this case reads as follows: “This is an action by assignees in insolvency against a bank to recover the amount on deposit to the credit oí the insolvent when the proceedings in insolvency were instituted, namely, October 7, 1865. The defense is payment of the balance of $1,060.90, to the holder of a check for $4,375 drawn September 23d, and presented for payment and dishonored September 25th. ' The next day the holder demanded payment of the actual balance, offering to endorse it on the check, and to leave that for a voucher. This was then refused. But on October 28th the bank did pay the amount on hand to the check holder, taking indemnity from him. We do not refer to the trustee process served on the bank, nor to the circumstance that many other checks were drawn, presented, and dishonored at the sanie time with the note upon which payment was subsequently made. These facts can not aid the case of the bank, and might of themselves present serious difficulties in the way of establishing the defense relied upon, if it were not defeated upon other grounds. The question to be determined is whether there was an equitable assignment of the balance 'on deposit in favor of the holder of the check. If he was entitled in any form to enforce the appropriation of the deposit for his benefit, then the pay ment by the bank, though subsequent to the proceedings in insolvency, was justifiable, and constitutes a defense to this action. In Bullard v. Randall, 1 Gray, 605, 61 Am. Dec., 433, it was held that a check for a part of the drawer’s funds in a bank constitutes no assignment until presented for payment and accepted by the bank. ‘It was a draft on a bank at sight, for a fixed sum, payable out of a general deposit of the drawer, being a larger sum standing to his credit. Such an order is held not to be an assignment.’ If the present check had been for less, instead of more, than the amount on deposit, that case would be an authority precisely in point for equitable assignments are respected upon trustees’ process as fully as in proceedings in equity. In Gibson v. Cooke, 20 Pick. 15, 32. Am. Dec., 194, it was held that an order upon a trustee by the cestui que trust to pay a sum larger than the amount of income in his hands when the order was made and presented, and not corresponding precisely with the amount payable on any one or more days when the installments of income were to be paid, did not constitute any equitable assignment, 'agiainst the consent of the trustee. The result of this decision is to establish — what would seem to be clear on general principles — that the bank was under no obligation to pay a part of the check, when not possessed of funds •sufficient to pay the whole. In the present instance there was at first no consent, but a refusal, to pay on account of the check the balance to the credit of the drawer. And this refusal continued until after the commencement of proceedings in insolvency, when the rights of the assignees had intervened, and it was out of the power of the bank and the check holder to make any arrangement to their prejudice. The two authorities from our own Reports are, therefore, taken together, decisive against the theory that there was any equitable assignment in favor of the check holder in the present case. And it becomes unnecessary to decide whether a- check drawn for the exact balance in a banker’s hands is an equitable assignment thereof, with or without evidence that it was so intended by the parties. It may be observed that bills of exchange and checks do not stand on the footing of orders drawn upon a particular fund, with a manifested intention to create a lien thereupon, and that the tendency and preponderance of authorities seem in favor of the .rule that neither a bill of exchange nor a check on a bank can operate as an assignment or appointment of the fund in the drawee’s hands, or create any manner of lien upon it; in short, that the drawee owes no duty to the holder of either of these mercantile instruments previous to presentment and acceptance. This rule is supported by considerations of commerical convenience, and may be regarded as a corollary from the one, well established, that a bank having funds is liable in damages to a depositor for refusing to pay his check. It was said in Gibson v. Cooke that ‘a draft by the creditor on his debtor in the form of a bill of exchange, to the amount of the debt or the whole fund in his hands, is a good and valid assignment of the debt or fund. But the remark, in the connection in which it stands, perhaps only means a draft on a particular fund; and, so qualified, it is undeniably correct. It is enough now to hold that a check drawn upon a bank for more than the amount of the drawer’s funds on deposit creates no lien upon and gives the payee no right to the actual balance until the bank has agreed to pay it pro tanto.”

As before stated, it is the contention of appellant that the death of the drawer of the check, as matter of law, countermanded or revoked the authority of the drawee to pay the check, unless it had been certified o,r accepted by the drawee. Several authorities are cited in support of this contention. It is said in 2 Edw. Bills & N., p. 546, sec. 739, that: “A draft that has not been accepted, and a bank check, should not be paid after notice from the drawer countermanding the authority, nor after the death of the drawer, which is a revocation of the authority. But, if the bank pa> without knowledge of the drawer’s death, it seems, the money can not be recovered back, and there is no reasonable ground for holding the payment invalid. For the authority of an agent is presumed to continue until terminated by notice brought home to him, and the bank on which the check is drawn, having funds, is bound to pay the draft.” Byles, Bills & N., (7th Ed.) p. 20, in discussing the rights and liabilities of drawers and holders of checks, says: “The check is an absolute appropriation of a sum of money in the banker’s hands to lie till .called for; but by delay the holder takes the risk of the bank’s failure, or revocation of their authority to pay by death of the drawer.” On page 22 the same author says: “It has been said that the holder of an unpaid check, as assignee of the chose in action, has an equitable claim on the drawee, and in the event of his bankruptcy, may prove under the fiat. But' in America it has been held that a check is not an equitable transfer by the drawer of part of the debt due to him from the banker, and the decisions of the English courts are to the same effect,” — citing the following cases: Bullard v. Randall, 1 Gray, 605, 61 Am. Dec., 433; Shand v. Du Buisson, L. R. 18 Eq., 283; Hopkinson v. Forster, L. R., 19 Eq., 74; Citizens’ Bank of Louisiana v. First Nat. Bank of New Orleans, L. R., 6 H. L., 352. It is further said: “It seems that the death of the drawer of a check is a countermand of the banker’s authority to pay it, but that, if the banker do pay the check before notice of the death, the payment is good,’’ — citing Tate v. Hilbert, 2 Ves. Jr., 118. It seems that the decision in Tate v. Hilbert sustains the text above quoted. It is said in section 310, 1 Morse, Banks, that: “If the drawer has revoked the order before the bank has made payment or bound itself to pay, it must not pay; nor if the drawer is insane, and the bank knows of it tit the bank pays in ignorance of the insanity, it will be a good payment), or if the drawer is dead, not being a corporation or a firm (it is to be hoped that this law of revocation by death as to checks will bo changed by statute); and the payments made will be appropriated in their order, the first sum drawn being deemed a payment pro tanto of the first sum deposited, even though some of the items of the account were trust moneys.” As to revocation of a check, we find the law thus stated in 5 Ency. Am. & Eng. Law (2d Ed.) 1079: “The drawer, as between the bank and himself, has the right to countermand the payment of a check before it is paid, and takes upon himself the consequences of his act. But he has no right to recall the check after it has been paid to one who took it in good faith and for value, nor can his banker do so for him. And when the check has beeu certified the authority as ’«’•ell as the responsibility of the drawer ceases, and he can not countermand it. The same effect is produced when the law intervenes and attaches or sequesters the funds The insolvency of the drawer, when brought to the notice of the drawee, acts as a revocation of the check. There is no express adjudication on this point, but the text writers, with perhaps one or two exceptions, state that the death of the drawer countermands or revokes the authority of the drawee to pay the check, unless it has been certified. It is generally accepted, however, that the bank will be protected if it pays checks in ignorance of the death of the drawer.”

It was held by the supreme court in Tramell v. Bank, 11 Ky. Law Rep., 900, that a check is simply a written order of a depositor to his bank to make a certain payment. It is executory, and as such it is, of course, revocable at any time before the bank has paid, or committed itself to pay. It is further státed in the opinion that a check is an assignment of the funds of the drawer to the amount of the check, w'hich assignment is complete upon the presentation of the check; and, if the bank improperly refuses payment, that the holder may sue the bank is a well settled law of this State. But the check is no assignment to the bank until notice is given to it. The drawer may, in the interim between the delivery to the payee and its presentation for payment, draw his deposit from the bank and place it to the credit of another person, or incumber it so as to defeat the check; and we can, therefore, see no good reason why, as between the immediate parties to the check (where innocent parties are not affected), the drawer may not revoke or countermand it.

We are referred to the decision of the Illinois supreme court which held that the drawer of a check can not revoke payment, and that the bank, if it had the funds, must, pay it when presented. But it seems to us, both upon principle and the decided weight of authority, that the risk is the other way. Morse, in his work on Banks and Banking (section 397), referring to the Illinois case with disapproval, says: “The current of authority is very strong to the effect that the drawer may countermand.” 1 Morse, Banks, sec. 398, in discussing the question under consideration, says: “The remark once fell from Judge Story, in the oft-cited Matter of Brown, that the drawer of a check had no right to countermand payment at the bank. It was obvious from the context that the judge referred rather to the moral right than to the legal right. He meant simply that a debtor who had given to his creditor a check in pajunent of his debt had no right toward that creditor, Tight’ being considered as a matter of right to the check. The language of the judge, taken in isolation from the circumstances of the case and from the remainder of the opinion, seems to admit a different meaning, and is, therefore capable of the misinterpretation and misuse which have been sometime feebly attempted. But, if such a misunderstanding is possible, .still the authorities to the contrary effect are numerous, and leave no shadow of doubt upon the point.” In further support of the above quotation, the learned writer cites with approval the case of Gibson v. Minet, 2 Bing., 7. Gibson executed the following writing: “Waterford, July, 1822. I request you to hold over £400 from my private account toi the disposal of J. Mintern & Co. Wm. Gibson.” This order was addressed to Messrs. Minet & Stride. This order was delivered to a partner in the house of Mintern & Co. on July 8th, and to Minet & Stride on July 13th. The drawer had funds to his credit to the amount called for. Upon the receipt of it, one of the bankers wrote upon the debit side of Gibson’s account: “N. B. By Mr. Gibson’s letter of the 8th of July, 1822, £400 is to be held at the disposal of Messrs. J. Mintern & Co.” Mintern & Co. were customers with the same banker. _ On March 19, 1823, Gibson notified the bankers that he countermanded the order. The bankers immediately notified Mintern & Co., and desired instructions. Mintern & Co. replied, requiring that the amount be carried to their credit, and the bankers complied, and notified Gibson. The -jury found that the order to the hankers was executory, and had not been acted upon at the time of the countermand, and the court held that the countermand was therefore in season, and good. Another recent English case also well illustrates the operation of the doctrine of this section. A debtor gave a check in payment of his indebtedness. Before presentation of the check, garnishee process was served on him in the suit against the payee. The drawer at once counter, manded his check, and directed that -it 'should not be paid. The court held that by this stopping payment on the check the original debt from the drawer to the payee was revived, and was held by the garnishee process. It is further said in reference to the right of the drawer to countermand the check as follows: “This right he possesses until the bank has paid it.out, or promised or become bound to pay it out, upon some order emanating from him, and presented for payment or acceptance at the bank counter, or until the operation of law intervenes by reason of some process. It is a matter of no consequence how many checks are, with the knowledge of the bank, outstanding in the hands of his creditors at the time of his counter direction or demand of payment of the whole fund to himself. The bank is not, and has no right to constitute itself, the agent of those -parties. It not only owes them no duty, but it has not even any legal power to act in their behalf.” It may be conceded that the supreme court of Illinois- has announced a different doctrine from the foregoing; also that Daniel on Negotiable Instruments seems to be in accord with the doctrine announced toy the Illinois supreme court; but it seems to us that the great weight of authority is against the conclusions of the Illinois court and Mr. Daniel. It will be seen from the opinion in the case of Lester v. Given, 8 Bush, 357, that the court incidentally recognizes the fight of the drawer to revoke the check before its presentation for payment; and, besides, the question of revocation or death of the drawer is not discussed or considered in the opinion. Nor have we been referred to any case in which the precise facts existed a,s appear in the case at bar.

The case, of Dana v. Bank, 13 Allen, 445, 90 Am. Dec., 216, conclusively settles the question 'adversely to the contention of appellee. It will be seen in the case at bar 'that before the check became payable, and before presentation, the drawer died, and that the check was for $360, and the only, amount of money in the bank due to the drawer wa.s $199. And it is averred in the petition that on the 21st of August, at the time the check was presented, the plaintiff notified the bank of the death of the drawer and forbade the payment of the check, and that the appellee bank protested the check, but afterwards paid the $199 thereon, and afterwards plaintiff drew the check upon the bank, which the bank refused to pay. The right of the bank to refuse to pay a check drawn for a larger sum than it has funds of the drawer seems to be admitted and sustained by all the authorities. The bank in this case exercised that privilege, but afterwards undertook to revoke its action and pay part of the check. We think it clear that the bank has no such authority. The gréat weight of authority seems to be that the drawer may at any time revoke tlie payment of a check before Its presentation and demand for payment. The decided weight of authority is that the death of the drawer operates as a revocation of the check; but, if the check be paid by the bank before notice of the death of the drawee, it seems that the payment will be held valid. It may also be well to remember that the giving of a check does not pay or extinguish a debt due from the dra'wer to the payee until the check is actually paid, unless it is specially agreed by the parties that the check is accepted in satisfaction of the debt. The bank is, in a sense the agent of the depositor, and must at all times obey the order or direction of the depositor, unless other legal rights hare intervened. It may be true that the drawer who gives a check and then countermands the payment may be guilty of a moral wrong towards the payee. It may sometimes happen that a revocation of a check by death will result in loss or inconvenience to the payee. But such things can not change, and ought not to change, the well-settled rule of law governing ■such transactions. Commercial business and the convenience of banks and depositors seem to require the enforcement and maintenance of the law as herein indicated.

It results from the foregoing that the court erred in sustaining the demurrer to the petition. Judgment reversed and cause remanded, with direction to overrule the demurrer, and for proceedings consistent herewith Whole court sitting.