This legal document governs the relationships between a payor bank and its customer in the context of bank deposits and collections. It grants the customer or any authorized person the right to stop payment of any item payable for or drawn against the customer’s account. However, the bank can disregard the stop payment order unless it is in writing, signed by the customer or authorized person, describes the item with certainty, and is received by the bank within a reasonable time before certain events occur.

A bank is under no obligation to a customer having a checking account to pay a check, other than a certified check, which is presented more than six months after its date, but it may charge its customer’s account for a payment made thereafter.

This legal document governs the duty of customers to discover and report unauthorized signatures or alterations on bank statements and items. Customers are required to exercise reasonable care and promptness in examining the statement and items and must notify the bank promptly upon discovering any unauthorized signature or alteration. Failure to comply with these duties may result in the customer being precluded from asserting unauthorized signatures or alterations against the bank.

This legal document governs the remedies for bad checks. It applies to any person who makes, utters, draws or delivers any check, draft, or order for the payment of money. If the payment is refused or dishonored due to lack of funds or credit, the maker of the check is liable to the payee or transferee. The maker must pay the amount owed, along with charges, within thirty (30) days of a written demand.

This legal provision applies to payees or payee’s transferees who are seeking to collect sums owed by individuals who issue checks, drafts, or orders for payment that are refused or dishonored. The payee or transferee must provide written notice to the maker of the instrument, demanding payment within 30 days. If the maker fails to pay within the specified period, the payee or transferee is entitled to reasonable attorneys’ fees, awarded by the court, ranging from $25.

The provided legal document content covers various aspects of banking practices. The first set of documents governs banking practices related to deposit accounts. It includes topics such as the maintenance of deposit accounts, payment of interest, selection of items for payment, operation of accounts in the name of minors, participation in school or institutional thrift or savings plans, payment of deposits in trust, final adjustment of statements of account, adverse claims to bank deposits, authority of attorneys to operate accounts, payment from accounts of deceased depositors, acceptance and transmission of money, treatment of dormant and inactive accounts, and unclaimed funds in banks.

This legal document, part of the Guam Code Annotated, falls under the Uniform Commercial Code and specifically pertains to Bank Deposits and Collections, General Provisions and Definitions. It states that the provisions of this division can be varied by agreement, except for disclaiming a bank’s responsibility for lack of good faith or failure to exercise ordinary care, or limiting the measure of damages for such lack or failure. However, the parties can agree on the standards by which such responsibility is measured if they are not manifestly unreasonable.

This legal document, part of the Guam Code Annotated and the Uniform Commercial Code, specifically governs secured transactions and sales of accounts and chattel paper. It provides definitions for various terms used in this division and outlines the transactions and collateral covered by this division. The document also specifies exemptions where this division does not apply, such as specific security interests governed by other statutes, transfers of claims for employee compensation, and transfers by government entities.

The provided legal document content pertains to the regulation and operation of Automated Teller Machine (ATM) entities. It governs the entities involved in the operation and regulation of ATMs. The document does not mention any specific exemptions or penalties for non-compliance. However, it is important to note that the document is part of the Guam Code Annotated under the Finance & Taxation section, specifically related to Banks and Banking. Further analysis and review of the parent documents may provide more detailed information regarding the specific regulations and requirements for ATM entities in Guam.

These legal documents govern various aspects of the collection of items, including the presumption and duration of agency status of collecting banks, the provisional status of credits, and the responsibilities of collecting banks. They also cover warranties made by customers and collecting banks on the transfer or presentment of items, as well as the time for making claims. Additionally, the documents address the security interest of collecting banks in items, accompanying documents, and proceeds, as well as the settlement of remittance cases and the handling of items in insolvency situations.